Texas Guaranteed CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/18/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 752XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The XXXX XXXX XXXX, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXXb of The XXXXXXXX XXXX XXXX XXXX XXXX Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX of XXXX ( XXXX ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( XXXX ) duty of furnishers to provide accurate information. -- Section XXXX ( XXXX XXXX XXXX XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is amended ( XXXX ) in subparagraph ( XXXX ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( XXXX ) DEFINITION -- For purposes of subparagraph XXXX XXXX ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Procedure In Case of Disputed Accuracy. XXXX XXXX XXXX Reinvestigation ( XXXX ) Reinvestigation ( XXXX XXXX In general. Subject to Subsection ( XXXX ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX bal. {$XXXX} I am well aware of my rights as a consumer. The XXXX XXXX XXXX XXXX requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the XXXX XXXX XXXX XXXX XXXX, Section XXXX ( XXXX ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
07/18/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85022	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .XXXX bal. {$1000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
05/28/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	IN 46805	Web
on XXXX XXXX XXXX i send out a validation dispute letter. The address listed on my credit report was inaccurate and the letter was return XXXX XXXX XXXX. So i sent a verification letter XXXX XXXX XXXX(see attachment 1) via email. Texas guarantee responded on the XX/XX/XXXX with the following. "Dear XXXX XXXX: Thank you for your letter sent to Texas Guaranteed (TG). The account has been noted with the information provided. A review of your account indicates you do not owe a debt to TG. The XXXX loans that were previously at TG were consolidated by XXXX on XXXX XXXX XXXX. Please contact the current holder of your loans for assistance. XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX (XXXX) Phone: XXXX You can locate and view a summary of your loans by accessing the National Student Loan Data System (NSLDS) web site at www.nslds.ed.gov. NSLDS is the U.S. Department of Education's central database for student aid which provides a centralized, integrated view of Title IV loans and grants that are tracked from the date of disbursement until the loan is paid in full. TGs office hours are Monday through Thursday XXXX XXXX XXXX., and Friday XXXX XXXX XXXX., Central Time, Phone: (XXXX) XXXX. More information to help you handle default is also available at www.tg.org in the "Borrower" section. Respectfully, TG Collections This is an attempt by a debt collector to collect a debt and any information obtained will be used for that purpose. Respectfully, TG Collections" so i replied with the second letter(see attachment #2) and they respond with this "Student loan verification Inbox x XXXX XXXX AttachmentsXXXX XXXX (4 days ago) to collections Attachments area XXXX XXXX AttachmentsXXXX XXXX (4 days ago) to collections On Wed, XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX wrote: Attachments area Collections XXXX XXXX (3 days ago) to me Dear XXXX XXXX: Thank you for your letter sent to Texas Guaranteed (TG). The account has been noted with the information provided. A review of your account indicates you do not owe a debt to TG. The XXXX loans that were previously at TG were consolidated by XXXX on XXXX XXXX XXXX. Please contact the current holder of your loans for assistance. XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX (XXXX) Phone: XXXX You can locate and view a summary of your loans by accessing the National Student Loan Data System (NSLDS) web site at www.nslds.ed.gov. NSLDS is the U.S. Department of Education's central database for student aid which provides a centralized, integrated view of Title IV loans and grants that are tracked from the date of disbursement until the loan is paid in full. TGs office hours are Monday through Thursday XXXX XXXX XXXX., and Friday XXXX XXXX XXXX., Central Time, Phone: (XXXX) XXXX. More information to help you handle default is also available at www.tg.org in the "Borrower" section. Respectfully, TG Collections This is an attempt by a debt collector to collect a debt and any information obtained will be used for that purpose. Respectfully, TG Collections This is an attempt by a debt collector to collect a debt and any information obtained will be used for that purpose. THE INFORMATION CONTAINED IN THIS E-MAIL IS CONFIDENTIAL and is intended to be sent only to the recipient stated in the transmission. Any review, use, dissemination, distribution, or copying of this communication by anyone other than the intended recipient or that person's agent is strictly prohibited. If you are not the intended recipient, please notify us immediately by telephone at (XXXX) XXXX. XXXX From: XXXX XXXX [mailto:XXXX] Sent: Wednesday, XXXX XXXX XXXX XXXX XXXX To: collections Subject: Student loan verification XXXX XXXX AttachmentsXXXX XXXX (3 days ago) On Thu, XXXX XXXX XXXX at XXXX XXXX, Collections wrote: ... collections XXXX XXXX (2 days ago) to me Dear XXXX XXXX XXXX: Thank you for your email to Texas Guaranteed (TG). Your TG account was closed on XXXX XXXX XXXX due to a Direct Consolidation. If you need assistance determining the identity of the current servicer of your consolidated loan, you may check the National Student Loan Data System (NSLDS), which provides a listing of all student loans listed under your social security number. You may check the NSLDS online, by visiting their website at www.nslds.ed.gov/nslds_SA/, or you may contact them by telephone at (XXXX) XXXX. If you have any questions, please call our office at (XXXX) XXXX. TGs office hours are XXXX XXXX XXXX XXXX, Monday through Thursday, and XXXX XXXX. XXXX XXXX. on Friday, Central Time. Your TG account may be viewed online by registering at www.myTG.tgslc.org. For more general information regarding defaulted student loans, please visit our website at www.TG.org in the Borrowers section. Sincerely, TG Collections This is an attempt by a debt collector to collect a debt, and any information obtained will be used for that purpose. THE INFORMATION CONTAINED IN THIS E-MAIL IS CONFIDENTIAL and is intended to be sent only to the recipient stated in the transmission. Any review, use, dissemination, distribution, or copying of this communication by anyone other than the intended recipient or that person's agent is strictly prohibited. If you are not the intended recipient, please notify us immediately by telephone at (XXXX) XXXX mdg" yet this company remains on my credit report as a closed account with a $XXXX balance.
02/05/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	FL 33173	Web	Servicemember
Account # XXXX It starts with the fact I am a XXXX XXXX XXXX veteran. To Whom It May Concern : On XX/XX/XXXX, I received a notice from TG XXXX XXXX XXXX advising of the defaulted student loan and for me to contact them with regards to making payment arrangements. I called TG and at that time was informed I had been entered in to the Treasury Offset Program. I had advised I was unclear as to what that program entailed. At this time, I informed TG, as I had informed them various times before, I was in a precarious situation as I had been going through a divorce since XX/XX/XXXX, I was unemployed, had gone through several medical procedures as a XXXX veteran, and had recently been diagnosed with another medical issue. I informed them, I had called several times before and asked if they had that those conversations recorded that they could revert to. At this time, I entered into a payment plan and was informed that I need to make three ( 3 ) consecutive payments in order to show good faith. I had assured them I had no issues with that and signed up via electronical debit with them via phone. On XX/XX/XXXX, I received correspondence from the Department of Treasury that the JOINT ENTIRE federal refund had been applied to that balance. A total of {$20000.00}. On XX/XX/XXXX, I called several times, a few of which I was disconnected, and eventually spoke to a XXXXtwice, ext : XXXX, who could only advise me that although he had seen I had signed up to make payments, I would have to make three ( 3 ) consecutive payments in order get out of the program. I explained that how I could do that, if I had been afforded the opportunity to make three ( 3 ) payments before they touched a refund I wasnt even aware that was coming yet. He then said that for any future refunds, I would be ok ... Im not sure was that meant. I advised XXXX the second time that at NO TIME, based on TGs own TREASURY OFFSET PROGRAM http : //www.tgslc.org/borrowers/default/consequences.cfm page explanation was I ever given the following : By federal law and regulations, you have certain rights when you are facing Treasury offset XXXX You must be notified that TG is proposing to use Treasury offset to collect money from you. A notice will be sent to the address you used when filing your most recent federal income tax return. You must be given an opportunity to : Avoid offset by arranging to repay your loan, Review any records about your loan, Show why the loan is not in default, is not delinquent, or why you aren't legally responsible for repaying it. If your spouse 's tax refund was subject to Treasury offset because of your federal debt, your spouse may be entitled to claim his or her return. You can contact the IRS about your Treasury offset at XXXX XXXX XXXX XXXX. The notice you receive will explain your rights with regard to the Treasury offset process. If tax refunds or other federal payments are withheld, they will not appear as voluntary payments on your credit report although they will be deducted from your balance. In addition, Treasury offsets do not count toward any program that requires voluntary payments such as reinstatement or rehabilitation. Borrowers receiving a letter from TG warning of possible Treasury offset should call TG at ( XXXX ) XXXX or send TG an email message. PLEASE BE ADVISED THAT At no time did I receive a notice stating I was in for TREASURY OFFSET, nor did I even been given an explanation and/or been given my rights regarding this program or given the opportunity to object and/or explain my current position or even review it. As soon as I received the XX/XX/XXXX notice, I called and made arrangements for payment after explaining my situation. TODAY, after speaking to XXXX, I asked to speak to a supervisor, I was told that speaking to a supervisor would do me no good and that my only option was to call and/or write after the payment went it and claim hardship or injured spouse for the other party. I called right after and spoke to an XXXX XXXX, who was a little rude and just recited the same information as if reading from a script. I can totally understand this is an attempt to collect a debt, which makes it even harder as the debtor to call and try to remedy the situation with individuals who are not even trying to help you resolve the issue. As I said, I have called several times in the year XXXX to try to resolve the debt, and have been handled and/or mishandled. I have no problems showing any proof and/or documentation of any of the things I have said, please contact me via email and I will gladly provide and/or call me : XXXX as I believe this has been wrongfully handled and could have been avoided.
08/31/2019	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	CA 94541	Web
My government loans were sold to XXXX XXXX in XX/XX/XXXX by government. XXXX XXXX Harrassed me with phone calls, threats, fraudulent charges. They separated my Stafford loan and my perkins loan and charged over 30,000 to my loan debt. They then sold my loan to XXXX. XXXX harassed me and added over 10,000 dollars in fees to my account. They then continuously called and put my loan under forbearance over 7 times. I accrued over 15,000 in more illegal charges. XXXX damaged my credit by stating I owed monthly payments of 7,000 dollars and was delinquent over 90 days. They then lost a settlement for illegal practices and illegal tactics and I recieved 2 settlement checks that were not close to the damage they had created on my account. In XX/XX/XXXX they sold my account to Texas guaranteed loan company. I accrued again over 15,000 dollars in collection charges. My loans should be protected by my original promissory note and contract with the federal loan companies but they too didn't follow the contract. Not one if these companies have provided me with my original loan contract or promissory note although I have asked for documentation repeatedly. I was told by XXXX that they will ruin my credit and that they will make sure they ruin my life. They sold to TG. Texas guaranteed loan company has charged late fees, collection fees, interest and penalties to my account. In XX/XX/XXXX, I was applying for a mortgage loan. I called TG because the loan underwriter for the mortgage loan needed a payment amount to my student loans to decide if i qualified for a loan. I called TG and informed them that I had a 3rd party loan underwriter on the line and needed to know my payment amount. They refused to answer and continued to ask me if I was ready to pay now and what amount my payment would be now. They refused to answer any questions and harassed me for information during the whole conversation. They would not disclose a payment amount. The third party underwriter witnessed this conversation and could not believe that TG was allowed to practice these illegal tactics. Because the underwriter witnessed the interaction, and agreed it was illegal and ethically wrong to do this, they granted me a mortgage loan of XXXX dollars. In turn, Texas guaranteed loan company hired Trellis company to start garnishing my wages with my employer. I AM A XXXX XXXX! They currently have garnished over XXXX dollars a month for over a year and a half now. They have ruined my credit. Trellis has repeatedly stated that my loan payments are over 7000 dollars a month. They are not. My wages are being garnished by Trellis! However, my credit report shows my account is closed with XXXX, TG, and both companies show a charge off. But they also show negative credit delinquent statements on a monthly basis impacting my credit miserably. XXXX XXXX has conveniently NOW disappeared from my credit report completely. Trellis on a monthly bases shows my account closes and opens and they charge XXXX dollars on my account then the following month they charge XXXX dollars and show garnished wages on my credit report. They then, close my account the following month and show that my account is charged off but delinquent. The damages these companies have done to me and other loan holders is unethical and illegal. I have recieved payments for the illegal practices I have endured.The payments are nowhere close to the damage they have caused to my loan accounts. I HAVE NEVER RECIEVED DOCUMENTATION WITH MY ORIGINAL PROMISSORY LOAN AGREEMENTS. Their fraudulent charges and fees have never been taken off of my account. They have created a loan amount that has tripled in amount because of their illegal actions. My garnished wages of XXXX monthly do not even pay {$100.00} toward my principal loan amount. The garnish wage amount goes to collection fees and interest. The damage and harassment done to me is ethically inhumane and has not been stopped regardless of all the evidence of illegal practice committed by these loan companies. They continue to illegally affect my credit report with fraudulent negative comments on reports. These companies have no one holding them accountable or monitoring their overall illegal actions. TRELLIS is now collecting garmishment payments and still continously adds negative remarks to my credit. XXXX taken from my check is not enough damage done to me, they still add non existing payments and negative remarks to my credit report. They are ignoring policies and committing illegal infractions even dealing with federal student loan holders. Please help me and stop these companies from continuously robbing people and ruinning lives. Please!
12/05/2020	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. TRELLIS COMPANY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX
08/03/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	AZ 85048	Web
This is a long detailed story that I can not easily sum in XXXX characters. I graduated from XXXX XXXX, my loan was then sold to Texas Guaranteed Student Loan ( TG ). I started a occupation that allowed me to live and pay my bills roughly a year after graduation. I contacted the lender and began a payment plan somewhere between $ XXXX {$350.00} per month. About 6 months to a year in ; I contacted TG to make my payment. They inform me that I need to play upwards of {$500.00} a month. I 'm informed the reason is they no longer offer the plan I was originally paying. They then inform me that if I were to make my regular payment that I would not even touch the accruing interest. 'Mind you, I have not signed a single document agreeing to anything '. I inform them I can not afford this and they ca n't force me out of paying my loan just to accrue interest. They do n't offer me a plan, or a payment arrangement, or any sort of empathy and just try to collect. They make periodic calls through the next few years, and I inform them I can not pay what they ask only to be informed that if I pay what I can afford it is just a waste of my money. During the interactions, they never offer any assistance or options, just that I pay what they want or just continue to accrue interest. A few years down the road, my credit score is trashed, and my interest has spiked over {$10000.00}. I contact them, and they inform me that they are offering debt consolidation. I speak with a rep, and am informed that I am on a consolidated plan and will need to pay {$180.00} first payment and {$210.00} every other month till the debt is paid. I think fair enough, for 6 months I make payments of {$210.00}. My balance is dropping my credit score is increasing. At the end of the year, I see my balance ; it 's higher then when I started paying. I figure it may be an interest spike and disregard it. I pay for another 6 months to a year, balance starts to drop again and credit score is slowly increasing. Then I get a balance recap form again, and low and behold my balance is higher then started. I contact TG and the representative informs me that whomever I spoke with did not send me the consolidation paperwork ; therefore I was not consolidated, and had been paying based on the previous terms that did not even touch the accrued interest. 'Basically just giving them money for no real reason '. Then, with as little empathy as possible the rep tells me she will send me the consolidation paperwork so I can get started. When I ask about the monies I already paid, I 'm pretty much told I 'm up a creek without a paddle. At this point, I contacted another debt consolidation student loan company, worked out them purchasing the loan from TG and now have a set plan that I 'm happy with ; however, this is not before dumping thousands of dollars for no benefit to TG and TG adding over {$10000.00} in interest to my loan. What was once a {$28000.00} dollar debt has become a {$39000.00} debt. I will have to pay interest based on the interest added by TG. TG are crooks! They stole my money, they added endless amounts of interest to my loan, and when I tried to pay them they tell me it 's not good enough. How is this legal? I feel they should return the money, or at least the balance remaining that they have been paid by the new debtor. Or at the very least, pay the interest they accrued onto my debt, and return the monies they stole from me for every cent. I 'm sure they still have my account, and ledgers to review this balance. Personally, I 'd rather see the CFPB shut this company down, or fine them a high dollar amount. I 'm sure I 'm not the only person who was dealt with under unethical terms. I 'm not asking for a hand out, I 'll pay my debt, but they should have to be held responsible for something. I do NOT wish for TG to purchase the debt back.
06/22/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 78251	Web
My complaint revolves around the severe financial, personal, and career consequences I incurred due to false and misleading information provided to me by Texas Guaranteed. For years I was making payment on loans of about $ XXXX with a monthly payment of {$300.00}. Around late XXXX I started falling behind as I received a severe paycut at my job of about 20 % due to loss of bonus at XXXX XXXX contacted Texas Guaranteed numerous times and each time they said I had already exhausted all options and there was nothing I could do. I was still paying though even if late. Eventually I could not keep up and tried to find another solution as lates were starting to impact my credit rating. No one ever returned my call. A few months went by and I finally gathered a few XXXX dollars by selling off personal belongings. I called to try and make payments and I was denied. They wanted ALL payments that were past due. This was not possible as I had just a few XXXX not thousands of dollars available. As a consequence I was advised to wait a few months because they had another solution for me. Their " solution '' come to find out in late XX/XX/XXXX was that they had filed for a WAGE Garnishment! They immediately started taking {$650.00} per month which was over XXXX my regular payment of {$300.00}. I called again pleading for help. They said this was the only route to reinstate a good standing and then conned me for MORE money. They said I had to pay another {$120.00} per month penalty as well. So all in for almost a year they took $ XXXX per MONTH. As previously advised I was already lacking enough funds prior to any of this. This lead to defaulting on all my credit cards as I simply didnt even have any money after rent and student loans and barely any food to eat. After a year they stated congrats you are back on track, we will remove garnishment. However they had ADDED nearly $ XXXX as a " Collection Fee '', So aside from wrecking havoc to my credit forcing me to default, losing XXXX lbs due to near starvation, losing apartment and living in my XXXX they ADDED $ XXXX after I had already been garnished/paid nearly $ XXXX! This damage continues to this day. My student loan is now being serviced by another but it reflects an XXXX of over 130 %. This loan has been negatively amortizing even though Ive been paying for nearly XXXX decades!!! I need all this investigated, fees/penalties removed, lates corrected and compensation for ancillary impacts such as credit decline, increased cost of borrowing, homelessness ( due to forced garnish ), and overall lying and stealing tens of thousands from me. A previous response ignored all my questions, concerns, and allegations. I am very well aware of how a loan amortizes and dont need a lesson there. I want answers as to WHY I was continually lied to, misled, and misguided. Their direction led to me being placed in this position. Their wrongdoings caused me severe financial, credit, and mental impacts. These impacts have been compounded since then. Just as the interest has compounded due to the addition of the collection fee due to their purposeful misdirection. Please provide EVIDENCE of the contrary, pull the call recordings, the notations, and my written confirmations. If you are not able to provide this, then XXXX demand restitution, the fees removed, the compounded interest removed, and additional compensation for the ancillary impacts that at this moment are incalculable. If you cant calculate it then please advise me so that I seek legal counsel. This is the last opportunity I am providing to make this right for me before I present this to our multiple media outlets and newly elected officials that see the new form of slavery that is student loan debt and the malicious behavior of the master servicers that only give direction in their best interest.
10/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53209	Web
A debt on my credit report is abuse, deceit and unfair debt collection practice. This debt on my credit report has caused me to get denied certain necessities in life ( XXXX. Home, employment, car ). While checking my credit report I noticed that you all furnished an account on my credit report without my consent which has cause to get denied for multiple necessities in life ( XXXX. Home, employment, car ). There are laws in place to prevent your company from furnishing information on a consumers report. 15 USC 1692a ( 2 ) states ; the term " communication '' means the conveying of information regarding a debt directly or indirectly to ANY person through any medium. Therefore, furnishing of the consumer report ( giving information regarding the alleged debt ) by your company is " communication '' as stated by the Fair Debt Collection Practices Act ( FDCPA ) As my rights state per 15 USC 1692c ( C ) I'm giving you formal notice to stop any further communications regarding this account immediately. This includes but is not limited to Consumer reporting Agencies ( XXXX, XXXX, and XXXX ) Please do not respond saying you are not governing by FDCPA or you are exempt. You are in fact a " debt collector ''. 15 USC 1692 ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. REMOVE ACCOUNT ( s ) IMMEDIATELY
02/28/2017	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't get flexible payment options	WI 547XX	Web
My spouse and I had student loans that we decided to consolidate with XXXX in XX/XX/XXXX for a total of appx. {$27000.00} at 9 % interest. Over the years working through forbearance and deferment because of our decision to raise a family, we ended up making about {$20000.00} in payments, before the monthly payment reached a point we could no longer afford and the loan went into default. So now that we have consolidated with a private lender, we have lost all benefits of ant type of consolidation or refinance opportunities, especially when the government drastically dropped the consolidation loan interest rate cap. We were stuck with what we had. After default, the loan was assigned to Texas Guaranteed, who immediately added a {$15000.00} collection charge and the monthly payment went up even more. After a period of time, we ended up going through a rehabilitation program and after 9 months, the loan was sold to XXXX. Our rehabilitation payments were {$200.00} per month and our understanding of the program is that prior to being sold we would have the ability to review the new terms to see if they were affordable as we could not afford much more than the {$200.00} per month a that time. Well, the XXXX payments came out to be {$650.00} per month, and of course we ended up defaulting again. The loan is again sent to XXXX for collection and they tack on another {$18000.00} in collection charges. Now with interest still continuing to accrue at {$750.00} per month, our only payment option is a $ XXXX monthly payment which is not possible even with all my children out of high school. Even if we paid something like {$400.00} per month, it would be useless as it would not get us out of default and would still be less than just the interest and would do us no good in the long run. We also could reach a settlement with a {$91000.00} lump sum payment. If we were able to make the $ XXXX monthly payments for 30 years, along with what we have already paid towards this loan, the total paid would be appx. {$340000.00} on a {$27000.00} loan. That seems really fair! And that 's not even the end. Now out taxes are scheduled to be offset, even though I have {$500.00} per month garnished on my paycheck for other debts, plus there is a potential my home could be foreclosed on due to some past due property taxes. In addition most of my refund is because of my children 's education credits, which I am only claiming because they are still considered dependents in XX/XX/XXXX. Funny I had no benefit of government programs after I consolidated with XXXX, but now I can be on a government program that harms me and my family. If this was another other government debt, there would be plenty of options, even more settlement options. I understand that I need to pay my debt and am in a better position to be on a reasonable payment plan now, but not {$870.00} per month for 30 years. Why ca n't I pay something like {$450.00} per month for 10 years and be done with this. I would end up paying triple the original loan amount over all the years, which should be a reasonable solution for everyone. XXXX will state that they offered lower payment plans previously, but it was never anything that we could reasonably pay. Even if my wages were garnished, it would still be for less than the monthly interest, so what happens when the balance gets to {$150000.00} or {$200000.00} or higher? Then if I was n't to be on a monthly payment plan, it 's {$1500.00} per month. And maybe XXXX is just getting their direction from the Department of Education. Then shame on both of them!!
12/21/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	FL 33611	Web
Subject : Problems with TG XXXX I got into a Loan Rehab program for my defaulted loans with the servicing provider TG ( Texas Guaranteed XXXX ) who was the gurantor. At the time, TG had XXXX XXXX to be the servicer of the my loans since XXXX. TG agreed to delete my loans from default and remove them from my credit ( See, Exhibit A1 and Exhibit A2 ). I successfully completed the rehab program. I contacted ( TG ) directly and they said they notified XXXX XXXX ( The servicer ) to remove the credit file from each of the credit bureaus. ( TG ) told me that it should take up to 60 days for XXXX XXXX to remove it according to XXXX - Loan rehabilitation agreement. It has now been close to 500 days and they have not been removed. ( Exhibit " B '' is a sample listing on Experian showing defaulted loans ). TG also stated that the problem is with XXXX XXXX because they handled there part. I 'm preparing to shop for a mortgage and was told those defaulted loans still showing on my credit will keep me from getting the best interest rate. I 'm requesting your assistance to correct this error that is being caused by either TG and XXXX XXXX on these loans since the defaults do not reflect my current payment status and agreed upon rehab arrangements. Bigger Issue : I have asked the XXXX credit bureaus to help as well. The last time I asked for help from credit bureaus ( Exhibit E ) was on XXXX/XXXX/XXXX. I also asked XXXX XXXX to remove these items as well ( Exhibit C ) and sent them a letter ( Exhibit D ) on XXXX/XXXX/XXXX. I am needing for the loan guarantor which is TG to have their service provider XXXX XXXX to remove these defaulted loans from my credit immediately as agreed with the TG provider who is the loan guarantor of my loans. My student loans are showing multiple times on my credit as the defaulted loans still show and the current loans show. So if I miss a payment on my current loan, I will be penalized twice on my credit report for the same loan. By TG not working with their servicer XXXX XXXX to delete the accounts is in violation of Section 623 ( a ) ( 2 ) of the FCRA. FTC advisory opinion : XXXX which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time. The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. ''
07/11/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 33068	Web
Since XX/XX/XXXX I started to notice in my XXXX XXXX app that a Company called Trellis Company previously named ( Texas Guaranteed ) was excessively reporting interest accrued to my credit report and I have snap shots of the odd amounts that went up and down. Making it seem to the credit bureaus I was paying it in reality they are abusing the system to hurt my credit score and keep me from ever going over 600 credit score. I was at XXXX and XXXX, preparing to see a significant good change and instead I saw XXXX dollars increase balance??? I called and could not get a straight answer as to why. I later find after digging into their website that they are within the guidelines of the cares act and are in fact abusing the system. 26 payments in a row consistently according to XXXX XXXX?! Its not me making these payments then who is it? I saw in my Student aid account today XX/XX/XXXX that an entity was awarded {$14000.00} where did this money go to? And top of all this all these 4 accounts of students loans were created fraudulently through XXXX XXXX XXXX and the class action lawsuit they were involved in. In which case I am the victim. They took over {$40000.00} on top of the pell grants and are now making it seem as I owe back. They took a XXXX dollar check refunded back to the school a long time ago when I withdrew and I asked them years ago when I was disputing this because I saw this in the ledger account ; where did this money go? They lied again took the money for themselves and pinned it back on me and thats one of the loans I saw out of the 4 accounts? I am the victim of a course study that I never finished of a 2 yr supposedly Named : XXXX that does not even exist anymore in their lists of courses because the whole thing was a fraudulent activity. They made false promises lied about the course costs and hiked up prices everywhere they could. Charging bogus amounts for an online course? Book materials? Never got books ... it was an online study!!! $ XXXX & XXXX every few weeks for a online course. Very often they kept promoting me to apply for more loans giving me elaborate explanations and it wasnt until XXXX, I started to doubt this school and started researching XXXX XXXX and I saw hundreds of students complaining of the same problem Im stating! Oh and as an added humor, to conclude the latest update on Trelliss company fraudulent activity in reporting to the credit bureaus that increase of XXXX .... accrued interest, well i looked at the debt under XXXX and saw that the date that it opened was categorized as XXXX XXXX, XXXX????? So I took a loan out before I was ever born?! Right, so while I was yet still in my fathers ... .. I applied for a loan and just happen to be affected by this before my own conception?! I am only XXXX yrs old born XXXX! Really! This is fraudulent period and XXXX XXXX XXXX does not want to take responsibility for the fraudulent activity of stealing from me a financial stable future as it pertains to my credit and everything else! I am the victim of this school and I am now showing and teaching my son who is XXXX DONT GO and apply for any loan period enjoy your youth work an honest job build credit and buy real estate own your own company and get out of the rat race!
08/01/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	TX 78586	Web
I have contacted XXXX XXXX in regards to a Student loan that has defaulted agreed to enter the Rehabilitation Program with a payment of {$58.00} a month due by the XX/XX/XXXX of each month ; however, my wages have been garnished from my place of employment either way. I do not understand why this is happening. I received a letter in the mail dated XX/XX/2018 stating : You must make at least nine ( 9 ) monthly payments during a ten ( 10 ) consecutive month period in the amount of {$58.00} due on the XX/XX/XXXX of each month as agreed to between you and XXXX under the established repayment agreement. Under the rehabilitation program, the full payment amount agreed to must be received within 20 days of the payment due date. A payment made more than 20 days before or after the due date will be credited to your outstanding balance but may not count toward the rehabilitation program. This may delay completion of the program or require you to start the program over. I did receive a letter in regards to a garnishment to begin XX/XX/2018 if I did not contact or settle into agreement of repaying my student loan ; however, I did contact the company prior to that date and settle to enter into the Rehabilitation program. I did pay my payment of {$58.00} in two payments : a payment of {$46.00} on Saturday XX/XX/2018 and {$20.00} on Thursday XX/XX/2018 well within the 20 days as stated. I log onto my online account see the payment of the {$66.00} but I do not see my wage garnishment of {$200.00} applied at all to my account. I spoke to a XXXX in regards to this issue twice and asked if my account is placed on wage garnishment why does it state online " Your good faith payment of {$58.00} is due by XX/XX/18? She said that is incorrect and should have taken a couple of days to come off my online account since the garnishment was put into place from XX/XX/18 ; I told her a couple of days we are now XX/XX/2018 that is more than a couple of days and she said there is nothing she could do to help and the garnishment will not be cancelled. I told her so my online account information is incorrect which is deceiving and a lie. It should not show that I am on a rehabilitation payment and still get my wages garnished at the same time. How is it that I paid my Rehabilitation payment well withing the 20 days as stated on the letter and had my wages garnished of {$200.00} but yet that garnishment is nowhere to be seen applied to my account. I feel that this company is not for the people or in any way to help the people. I mentioned to XXXX how unfair is that and I have other loans with the XXXX that have been put on a payment plan/IBR and she told me we have no affiliation with XXXX. Please help to stop this ; I am scheduled to give double payment by paying the Good Faith of {$58.00} and have my wages garnished? I spoke with a XXXX twice with no help at all ; I did receive one phone call from a supervisor by the name of XXXX whom left a message so I did return the phone call and have left 3 messages with no return phone call.
02/08/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	CO 80013	Web
My fiancee and I live in the XXXX, CO XXXX area. We have struggled to work through several layoffs and I have supported us both for the last 7 years combined. On top of this, the housing market here has exploded thanks to the legalization XXXX. Rent doubled almost overnight forcing us to give up our apartment and rent a small basement from a private home owner and put most of our things in an expensive storage unit. Several years ago, I entered into a rehabilitation program with Texas Guaranteed to make payments for 9 months at which time responsibility would return to XXXX. Texas Guaranteed would not work with me on the payment amount which led us to move to another suburb that had cheaper apartments so I could pay them and pay all of our bills. After barely meeting TG 's requirements for the 9 monthly payments, XXXX took over again. I made payments for about another year at which time my Fiancee went through her second layoff. I applied for a forbearance/financial hardship and was denied. This is only based on your GROSS income! I have been supporting XXXX people in an area with a skyrocketing cost of living increase and they denied me. I contacted XXXX to speak to a human instead of online applications and the only response I got was - apply online for financial hardship/forbearance. I could not afford to make payments so my loans moved to default and back to Texas Guaranteed. In addition to this the Department of Education ordered the XXXX Treasury to withhold my Federal Tax Returns. They have withheld thousands of my tax dollars over the last XXXX12 years. TG calls me constantly. This time they sent me a letter stating they had added fees to the total I owe for my student loans. When this began, I owed XXXX. Now, TG says I owe XXXX including their substantial fees. That adds up to an increase of 33 % above the total I borrowed!. I also have collection companies trying to cash in on this as well. They are trying to collect on specific loans even though TG is already supposed to be the " XXXX '' of my loans partnered with XXXX. After receiving this letter, I have received a new XXXX stating they are going to have my wages garnished. I can not afford this!!! I am still supporting myself and my Fiancee while she searches for work. While going over this new letter threatening me with garnishment, it occurred to me that there is some fraud going on here. Texas Guaranteed and XXXX as well as the collection companies are still charging me for my full, original loan amount plus 33 % in fees and interest. This begs me to question ... ... ... ... ... .. First of all, what happened to all the monthly payments I made to both organizations? Second, what happened to the thousands of dollars the US Dept. of Ed and the US Treasury withheld to go toward my loans? Third, how can it be legal and ethical for these guarantors to charge fees that make it impossible to ever pay these loans off?
04/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX XXXXX	Web
XXXX has completed my disputes but the results are just as incorrect and I 've filed disputes multiple times. I can honestly see that XXXX is letting a computer determine the results because they do n't even make sense. When I call the executive office, they do n't really want to help, the only thing they want to do is argue. There are multiple incorrect accounts of which XXXX creditors are reporting incorrectly. The first XXXX is XXXX Bank, they have violated their terms and agreement and the late payment that was reported is incorrect. XXXX Bank has been reported to the FDIC for the improper conduct and the late payment was removed from XXXX and XXXX . The second Creditor is XXXX XXXX XXXX , they sold th e account to XXXX collection Agency and as a result that TERMINATED the company 's legal right to continuously report. I 've sent in the info to show that the account was settled and closed in XXXX XXXX XXXX , XX/XX/XXXX has yet to update and correct the account as closed. The third incorrect Creditor is XXXX , XXXX is incorrectly reporting that the account is still being charged off As of XXXX XXXX that is incorrect the account was settled and closed in XXXX XXXX XXXX , XXXX has yet to correct this. I know it 's not XXXX 's fault because it 's been corrected on other bureaus except XXXX . The last creditor is XXXX . On XXXX XXXX XXXX has incorrect and mismatching information which violates several FCRA laws. I 've disputed and complained, sent in letters and the XXXX accounts are still incorrect. Multiple months are missing payments and it says ND ( no data ) instead of OK. That is incorrect and a violation. The fifth Creditor that is reporting incorrectly is Texas Guaranteed XXXX XXXX XXXX . This was not a collection account nor charge off in XXXX . The account was paid and closed in XXXX . It has a negative payment for the month of XXXX when it was clearly paid off and closed. Another reason how I know it 's incorrect because the XXXX of XXXX does n't allow individuals to consolidate a student loan that is in DEFAULT. These companies are clearly violation FCRA. Experian is allowing the Creditors to report invalid information in addition to reporting and coding certain incorrect information on the credit report in order to recieve a profit. I 've asked several humans/managers/supervisor to look into this And not to let a computer decide, instead the only thing they do is dispute and let a computer decide. It 's a disappointment because XXXX line of the XXXX Mission Statement says " transforming our relationship with consumers and delivering growth consistently ''. Honestly, they 're not doing any of that for me and shows the company is not following their own mission statement. I hope THESE issues can get resolved quickly so I can have a chang e of XXXX .
10/10/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	TX 78212	Web
While enrolled as a full time college student I was suddenly struck by a vehicle as a pedestrian. Needless to say this caused me to withdraw from many of my courses for an extended period of time - to which I did report promptly to the governing body within the school in question concerning my need to forego a semester or two. The Withdrawal was misinterpreted by my institution, not as a medical necessity, but as a lack of appetite to attend & complete my degree. Ultimately this dispute was finally resolved within the Institution and the Medical Record, Police Record of the Actual Accident and so on were presented along with an appeal to reinstate my Academic Standing in good form. These proceedings did not, however, impact my Student Loan Status. As this entire process did take an extremely long time I was forced into default on the Loans. Now years have passed, & I have had Lien on my Tax returns each year to the tune of thousands of dollars. Thousands of dollars in payments towards these loans and no ability to gather any specific information about the apportionment of the monies collected to pay the loans. Finally I am able to receive some information after Legal Request. I am able to see in black and White the figures of these Thousands of Dollars of mine that have impacted this loan to no avail. Each payment has been deliberately been forwarded to pay interest and not one penny towards the loans Principle. I have more money to give these Loan Sharks - But I can not in good faith begin making any payments at reducing this loan to any degree now knowing that they are taking advantage of me to no end perpetually with not one penny towards the Principle of the Loan. As you may imagine, paying Interest Alone could go on forever to no end. This must be considered unscrupulous by anyone observing, How can an agency do something like this and escape prosecution is my question>? I need some help. I need some serious help on this. I have made every good faith effort in attempting to right this loan after having been horribly hurt in an automobile accident whereby I was a pedestrian deemed not at fault forcing me out of school temporarily. I am now needing to finish my degree, & Find that I can not due to this nonsense. I can see no rational path forward & only a gaping pit of despair concerning this Fraud that is occurring on my account. Please Help me restore my rights and put a permanent end to this. I have legal documentation as well as monies meant to be paid towards the loan that I will never remit now knowing that it refuses to pay principle balance. Please Advise. I need to have my account handled by an ethically bound governing body. I look forward to speaking with you soon.
09/22/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	TX 78251	Web
My complaint revolves around the severe financial, personal, and career consequences I incurred due to false and misleading information provided to me by Texas Guaranteed. For years I was making payment on loans of about $ XXXX with a monthly payment of {$300.00}. Around late XXXX I started falling behind as I received a severe paycut at my job of about 20 % due to loss of bonus at XXXX XXXX.I contacted Texas Guaranteed numerous times and each time they said I had already exhausted all options and there was nothing I could do. I was still paying though even if late. Eventually I could not keep up and tried to find another solution as lates were starting to impact my credit rating. No one ever returned my call. A few months went by and I finally gathered a few hundred dollars by selling off personal belongings. I called to try and make payments and I was denied. They wanted ALL payments that were past due. This was not possible as I had just a few hundred not thousands of dollars available. As a consequence I was advised to wait a few months because they had another solution for me. Their " solution '' come to find out in late XX/XX/XXXX was that they had filed for a WAGE Garnishment! They immediately started taking {$650.00} per month which was over DOUBLE my regular payment of {$300.00}. I called again pleading for help. They said this was the only route to reinstate a good standing and then conned me for MORE money. They said I had to pay another {$120.00} per month penalty as well. So all in for almost a year they took $ XXXX per MONTH. As previously advised I was already lacking enough funds prior to any of this. This lead to defaulting on all my credit cards as I simply didnt even have any money after rent and student loans and barely any food to eat. After a year they stated congrats you are back on track, we will remove garnishment. However they had ADDED nearly $ XXXX as a " Collection Fee '', So aside from wrecking havoc to my credit forcing me to default, losing 60 lbs due to near starvation, losing apartment and living in my van they ADDED $ XXXX after I had already been garnished/paid nearly $ XXXX! This damage continues to this day. My student loan is now being serviced by another but it reflects an LTV of over 130 %. This loan has been negatively amortizing even though Ive been paying for nearly 2 decades!!! I need all this investigated, fees/penalties removed, lates corrected and compensation for ancillary impacts such as credit decline, increased cost of borrowing, homelessness ( due to forced garnish ), and overall lying and stealing tens of thousands from me.
02/15/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NY 11221	Web
To Whom it May Concern : I'm currently a XXXX XXXX XXXX XXXX that qualifies for XXXX Loan Forgiveness. According to the rules, I can get up to {$17000.00} because I have met the requirements for that particular forgiveness. I know this because I've had {$11000.00} forgiven in XX/XX/XXXX from my student loan balance of {$15000.00}. Currently, I have {$4400.00} left in 2 loans according to my XXXX account. My guarantor for these 2 loans are the state of Texas which is now Trellis Company. Trellis Company continues to create difficulties for my application in order to get the {$4500.00} forgiven. I have applied seven times. Five out of the seven times, I was told that the documents were not legible. I was told that in XXXX, XXXX, XXXX, XXXX, XXXX, and now again XXXX. The first time I applied was XX/XX/XXXX at the end of my 5 year. My last submission on XX/XX/XXXX, I made sure to clearly type the application and have the appropriate signatures done neatly by both myself and previous administrators. I was denied because I was told the application was " too light '' and that they could not confirm that XXXX XXXX still works at the XXXX XXXX ( which he does ). No phone calls were made to the XXXX to verify his employment nor were there any contacts made to him directly. Now I am being asked to show his employment verification of his position which I am not allowed to request through my HR department. The first 6 times I applied, there was no mention about my previous XXXX 's status being a reason for denying my application. Now with my most recent denial, I'm being asked to do something that is not within my boundaries. For the past 8 months, I've made multiple phone calls ( at least twice a month ) to XXXX to verify the status of my application, I've submitted all the paper work every time, and everything is up to date. Because I have gotten loans forgiven for a my first application, I know my application is solid. I've been informed by XXXX, loan service provider, that my guarantor ( Trellis Company ) keep denying my application for the following reasons : 1- Illegibility 2- " Too light '' 3- Updated information 4- XXXX XXXX verification of work ( without making any contact with the XXXX or person ) From the feedback that I am receiving, I am under the impression that Trellis refuses to forgive my loans and keep making me do the run-around until I give up and pay for my loans out of pocket. I have no issues with XXXX, since they have provided me with all the information I need. My problem is with Trellis Company.
04/01/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	CA 93313	Web
XXXX has been servicing my loans since 2008 or longer I 've been a XXXX since, I also have student loans through XXXX. All were and have been in good standing ( deferred ) until XXXX drop the ball and defaulted all of my student loans they were holding. According to them they were n't aware of my school attendance. I then provided documentation that I have been in school and so they began to repurchase my loans, all except XXXX of my loans. My XXXX loans. Reason being is their saying that they are no longer servicers of those XXXX loans and that XXXX are the new servicers and that navient needs to repurchase them. Even though XXXX by error defaulted them cause they were holding the XXXX loans at XXXX point but now that they defaulted they are no longer the sevicers and do n't have access to repurchase the loans. So I 'm stuck in a situation where I ca n't go to school and get financial help as a single mother of XXXX trying to better myself I do n't qualify for financial aide services etc because I have XXXX loans showing defaulted. The grantors that have the loans are harassing me for payments and threatening garnishing my wages. I ca n't afford this I 'm barely making ends meet! I 'm trying to finish school to better myself and this has become a total nightmare. I call navient they say they ca n't repurchase cause they were n't the ones who defaulted the loans blas blas. I just need my loans repurchased! I do n't care who repurchases them. I 'm stuck in the middle of this nightmare XXXX made by error. And they do acknowledge it was an error but ca n't seem to help fix it! Can someone please help me? This is n't right. And if I ca n't attend school next semester due to these default loans on my account then it will only make matters worse cause then all my other differed loans will come out of deferment because I 'm not attending school, but how can I attend when I do n't have money to pay out of pocket and government wo n't fund my schooling with defaults on my record!?!!! Ive contacted the OMBUDSMAN for help as their looking into the matter as well, but now the grantors are garnishing my wages and Im sitting here in tears and stressed out trying to figure out how will I be able to provide for my children and keep our home with my checks being garnished by XXXX grantors XXXX and TG. This is wrong I hope I can sue for this hardship and stress these companies and lenders have brought to me by error and nobody seems to be able to help much and or fast enough so I have to sit here and suffer. This is so wrong!
07/22/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	TX 75227	Web	Older American, Servicemember
I hav tried to repay the student loan on numerous occasions. The beginning loan totaled {$45000.00}, now they are asking {$78000.00}. I don't have kind of money, I'm on a small budget, I'm a XXXX XXXX XXXX widow since XXXX with no benefits. My complaint is the amount of the increase, the problems with lenders & servicers & how many times this loan have been sold. First it was XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, now XXXX. I was scammed, XX/XX/XXXX by XXXX XXXX, ID # XXXX, @ XXXX XXXX so he said. The amount then XXXX said was {$47000.00}. XXXX said if I paid 3 payments : on XX/XX/XXXX, {$290.00} @ # @ XXXX ; XX/XX/XXXX, XXXX- {$290.00}, @ # XXXX, then XX/XX/XXXX, {$290.00} @ # XXXX. The phones numbers was where I could call if I could not make the payment. XXXX XXXX said, " after you make these 3 payments the remainder of the loan would be forgiven. After calling and no response. On Friday, XX/XX/XXXX @ XXXX XXXX I received a call from XXXX XXXX XXXX ( XXXX ) XXXX XXXX, then XXXX @ XXXX XXXX, said '' if I complete a 5 month payment plan of {$86.00}, then they would set me up on a repayment plan. '' I paid it, & I heard nothing until I received a call from XXXX, ( XXXX ) acct # XXXXsaying my account had been sold to XXXX ( again ) is what the message said. Then I received a call from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) @ XXXX for a reduce or forgiveness Program. The message said to call ( XXXX ) from XXXX XXXX @ XXXX, REF. # XXXX then another call from ( XXXX ) from XXXX, REF. # XXXX to get a certification form loan forgiveness. I've received calls, text and emails. I don't know who to trust & it is so confusing that no one have a record of the money I have already paid. I received a letter from XXXX dated XX/XX/XXXX, that the current principal student loan is {$60000.00}, acct # XXXX. I have called or answered calls, when I give my name and acct. #, then you ask for my SS #, If you call me you should already have the rest, because I don't know if it is another scam. I've had problems dealing with lenders/servicers, lowering my payments, promising a forgiveness, & scams. I received a letter dated XX/XX/XXXX for Notice of Data Breach from XXXX, that happened between XX/XX/XXXX and XX/XX/XXXX. I was also notified 3 years ago for Notice of Data Breach. I don't know who to trust, but XXXX. This is very stressful, because of all the misleading and untrustworthiness.
03/01/2017	Yes	Debt collection Federal student loan	Disclosure verification of debt Right to dispute notice not received	TX 76140	Web
My loan was escalated improperly in XX/XX/2016. In XX/XX/2016 I called XXXX to secure a deferment as I was unemployed and receiving UE benefits, Food Stamps, and XXXX. I was only offered a Debt Consolidation for those loans. I was unable to accept that option based on research I had done. I advised I would call back after I started work. I called back in XX/XX/XXXX. Although, I had just started working, I attempted to make a {$50.00} payment. The representative said I needed to make {$150.00} payment and could not accept my payment. I was never offered an option to Rehab my loan. I remained in default and continued to live check to check. The other student loans I have with another servicer were with XXXX and were in forbearance/deferment. I have opened every singe communication I had with XXXX. I am not disputing what I owe however I only made XXXX last year and mounting medical bills due to an ongoing condition. I was never notified my loan would be accelerated to the Treasury Department. When I called XXXX last week, I was told they send out a letter in XX/XX/XXXX. They had the correct address on file, as they always have. I asked for a copy of the notification for garnishing my tax return. Not only did they say the couldnt provide, but they also said they had no record of me calling back in XX/XX/XXXX when they declined to take my payment. I talked to XXXX, the manager and he was very condescending. I advise there would have be no reason for me not to have been in some kind of deferment since I was and are still on government assistance. I am now working full time, but I am just barely catching up from being off work. I am also facing eviction because my taxes were taken. I know the government does not require notice if they are taking something, however the servicing contract XXXX has with the government should include proper acceleration of a loan to allow the borrower in financial difficulties to cure. Again I add, I have been on deferment with the other loans I currently have with a different servicer and there would have been no reason whatsoever for me not to have been on deferment or forbearance with XXXX. This should have never escalated to this point. XXXX falsely notified DOE/Treasurer that I was not trying to cure to the point my income taxes were taken.
03/18/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't temporarily postpone payments	FL 33415	Web
I have contacted Texas Guaranteed loans collections agency several times in the last few weeks/months attempting to resolve issues regarding a defaulted loan that lead to my tax refund being offset. The first time I was contacted, I spoke to XXXX of their representative XXXX whom was very rude and would not answer my questions regarding the default, instead she was coarsing me into starting a payment plan and this after i previously stopped a wage garnishment while attempting to figure out exactly why I defaulted on a loan, when i have either been a XXXX student or when in between schools have requested for a forbearance. I was told to bring a letter from the school showing periods of enrollment leading to the time i defaulted. I obtained this information and contacted texas guaranteed loan yesterday Yesterday XXXX/XXXX/XXXX. At this time, I spoke to a male who gave his name as being XXXX, I have spoken to this man in the past and remembered him being very rude and gave me false informations and will not assist me with informations or answer questions correctly. Then on this day, he answered the phone and I asked if I can please get their fax number. He asked me what I was faxing, I said a hardship request to get my tax refund back, and a letter from the school stating that I was fully enrolled in school. At this time, he became very irrate, and told me that it will not do anything for me, and he doesnt know why I 'm wasting my time. And that I could not have placed a firbearance on the loan that many times, because its only granted once, and that this loan was from XXXX. And unless i can prove that I have been in school from XXXX until now, then there 's nothing i can do. I explained to him that I remember speaking to him once before and that he was very rude at the time and giving me false informations as he is doing now. I informed him that i have spoken to multiple people there since this morning and you once again are the only one giving me different information. He continued to tell me that it doesnt matter what i have that they are not going to do anything about it. He was being very verbally abusive and yelling at me. This went on for 12 minutes and he eventually hung up and did not give me the fax number.
11/15/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 778XX	Web
When the initial federal student loan pause was commenced i continued to make voluntary payments until around XXXX of 2021 when I was made aware that i did not have to make the payments and in fact could receive a refund for the voluntary payments i had made since the pause had began. The refund amount was sent for {$1700.00}. My Loan servicer, Trellis company, sent out the refund check and it was lost in the mail. The loan servicer required 90 days to elapse before a new check can be issued. After the 90 day wait time a new check was issued however this check was intercepted and fraudulently cashed.On XX/XX/2021 I cooperated with the loan services providing an affidavit that was notarized indicating that I am willing to press charges to the fullest extent of the law against whomever fraudulently cashed my check as well that i was not involved. This process with trellis was initiated almost a year ago approximately. I spoke to Manager XXXX XXXX and his supervisor XXXX and explained my situation. XXXX advised me that i need to contact Trellis company 's bank, XXXX XXXX for additional information. I did reach XXXX XXXX ( relationship manager at XXXX XXXX ) I again explained the situation and was advised that now XXXX XXXX XXXX ( where the funds were fraudulently cashed ) is causing the delay in the fraud investigation. Again it has been over a year with no response from XXXX XXXX or XXXX XXXX XXXX I have maintained communication with both frost bank and trellis company throughout this process via email and telephone calls leaving voicemails and never hearing back. Trellis company contact number XXXX XXXX bank relationship manager XXXX XXXX XXXX XXXX I dont have information for the XXXX XXXX loss preventention department. i also further believe that my loans were rehabilitated and then due to internal errors between dept of ed and loan services was then back in default. If you review the loan history you can see a history of payments so the fact that the account was rehabilitated and then went right back into default was news to me. I believed that my loans wer not in default since the had gone through the rehab process.
11/24/2018	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	TX 798XX	Web
Dear Sirs : I have just started a new job with XXXX XXXX as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My very first pay check starting this new job and I mean the whole paycheck from this work for the month of XX/XX/2018 has been taken and I mean all 100 % of it as a payment to Texas Guaranteed student loan! Ive made payments to them in past sizable amount to no avail ore even a dent ever made to the principal. They are an out of touch and carelessly, corrupt and unregulated because their interest rates are not realistic to student abilities to ever catchup and depend on small payments to sustain and prolong the misery to students. Also corrupt is the Treasury Dept willingly giving my entire paycheck to the pigs at Texas Guaranteed. The latter literally refers to 100 % without any warning or rule or regulation making it a reasonable percentage portion, but instead all of it was taken. Is there no percentages that limit amounts? How can it be the total earnings? Where is tax payers government when needed if our very Federal Treasury Department is doing this for rich corporations intoxicated by anything goes tactics? I have bill realities to contend and attend to and one of them is insufficient funds and accumulating charges versus income and an appropriate balance to be kept. One of them is my son going to college himself this spring. The whole check of a months worth of work is gone without notice of its being taken or even a 40 % amount would have been impactful, consequential and resonable enough but the whole paycheck? Why has the federal government allowed this to be carried out as such? Versus a reasonable and understandable amount? The latter is counterproductive to domestic down to earth income and survival. Why did the federal government take a full income and feed it to a loan corporation in its entirety? Why was I mistreated to a 100 % garnishment? Is it some kind of a backwards lesson to an already vulnerable poor and lower class prejudice that clouds financial realities? Why do the treasury carry this out for a corporation when they could have taken a portion? Sincerely, XXXX XXXX XXXX, XXXX
09/15/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	NY 14450	Web
A company Called Texas Guaranteed, later renamed Trellis Company sued me in the wrong jurisdiction, the state of Texas, and I have never even been to Texas. I live in New York. They started garnishing my wages while I was working at XXXX XXXX and that was how I learned they were suing me, they didn't even sue me first to obtain a judgment, they just started garnishing my wages. They also added over {$2000.00} onto my loan. I spoke to the federal government in XXXX and was told I had no federal student loans, they were all private. How did these 2 loans suddenly become federal loans? I was forced to pay {$130.00} per month to Texas Guaranteed, now known as Trellis in exchange for them to stop garnishing my wages, which they were taking over {$200.00} a paycheck as a garnishment. I told them several time they were suing me in the wrong jurisdiction and that it was illegal but they did not care and stated they could get away with it. NSLDS states the total borrowed on one of the loans was {$2900.00} & with an outstanding principal as of XX/XX/XXXX of {$2300.00}. The second loan states the total borrowed was {$11000.00} and the outstanding principal as of XX/XX/XXXX was {$9100.00}. The loan was also for some reason put in forbearance without me knowing or being told on XX/XX/XXXX. I will attach documents but Texas Guaranteed now known as Trellis added on fees, sued me in the wrong jurisdiction, started illegally garnishing my wages to force me into a payment plan from the wrong jurisdiction and added on thousands of dollars in fees to my loans. I had to switch the loan to another service provider because they were not providing me tax forms for the IRS so I could do my taxes and I have need them held accountable for their actions. I would like the loans to be wiped out and the fees taken back and to refunded for the payments I was forced to make to this company as a result of my wages being garnished and me being sued in the wrong jurisdiction. I need them to be held criminally accountable.
10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53209	Web
Company responded XX/XX/22 stating that according to 34 CFR 682.410 ( 6 ) ( 5 ) they are required by federal regulations to report to all credit bureaus. This is in fact true, however, they neglected to state what needs to done before they can report. 34 CFR 682.410 ( b ) ( 6 ) ( ii ) states the following : ( ii ) Within 45 days after paying a lender 's default claim, the agency must send a notice to the borrower that contains the information described in paragraph ( b ) ( 5 ) ( ii ) of this section. During this time period, the agency also must notify the borrower, either in the notice containing the information described in paragraph ( b ) ( 5 ) ( ii ) of this section, or in a separate notice, that if he or she does not make repayment arrangements acceptable to the agency, the agency will promptly initiate procedures to collect the debt. The agency 's notification to the borrower must state that the agency may administratively garnish the borrower 's wages, file a civil suit to compel repayment, offset the borrower 's State and Federal income tax refunds and other payments made by the Federal Government to the borrower, assign the loan to the Secretary in accordance with 682.409, and take other lawful collection means to collect the debt, at the discretion of the agency. The agency 's notification must include a statement that borrowers may have certain legal rights in the collection of debts, and that borrowers may wish to contact counselors or lawyers regarding those rights. None of this information was given to me at all. Another law broke. I did not wish for them to supply me with the information now as it is already to late. I want this account immediately deleted from my report ( s ) in its entirety. If you choose not to comply, you leave me no choice but to take this matter to Federal court. I will also notify the Attorney General as well as the XXXX. Regards.
08/03/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
01/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77396	Web
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
09/07/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	TX 76131	Web
I received a letter datedXX/XX/XXXX stating that I owed a student loan debt in the amount of {$31.00}, XXXX to a company called TG. Their address is XXXX XXXX XXXX XXXX XXXX, TX XXXX Their phone number is XXXX. Their website is www.tgslc.org. This letter threatened to enter me into the DOE offset program to garnish my wages and tax returns. I called the company, who instructed me to send them all of my personal info documents -- driver 's license, social security card, etc. I refused to do this, however, since I have no business with this company, and the more information I give them, the more likely it is that they can steal my wages and tax returns. I sent them a debt validation letter. They returned a letter to me with a promissory note from someone with the same first and last name. That is where the likeness stopped. This person has a different middle name, different social, an address where I have never lived, a phone number I have never had, different birthdate, a city I have never lived in, a different driver 's license number, a lender name I have never used, and relatives with whom I have no relation to. Furthermore, they are still demanding my sensitive personal information along with FIVE writing samples from XX/XX/XXXX. I do not want to provide this information to a company that I have no business with. TG has shown gross negligence in identifying their debtor. This can not be a simple mistake. I only share this woman 's first and last name. No other like identifier exists. They also violated this woman 's privacy by sending me her promissory note with all her personal information. I would hope that the company has better privacy practices than this.
08/17/2022	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	TX 770XX	Web
XXXX keeps calling random people claiming they can not reach me and ignores my multiple emails trying to contact them. I have emailed XXXX over 40 times and havent received XXXX single direct response to my emails. They have only issued a copied and pasted response to CFPB ( constantly referencing old things that have nothing to do with my current complaint ). Now XXXX at XXXX is ignoring emails and when he did respond it is to give information to contact DOE FSA Ombudsman which both he and XXXX were already told had previously been done and because this is a private loan the FSA ombudsman cant and wont get involved. XXXX guarantees the loan in the event that I dont pay Navient which as confirmed by the DOE FSA Ombudsmans and why they wont get involved. Its not rocket science simply directly and specifically address my points I need the following directly answered : XXXX ) Because XXXX is the original creditor they CAN contact for due diligence HOWEVER per CFPB and FDCPA I can control HOW XXXX contacts me and XXXX refuses to acknowledge it and confirm that Email and my po box only are the only forms of communication to me allowed as anything else is inconvenient. The ignore it and repeatedly violate it with XXXX parties XXXX ) XXXX ignores any and all emails sent directly to them no matter what I ask. How am I supposed to communicate when they simply ignore all emails? I know they receive them as I occasionally get out of office replies. The only vague non direct response given is only when I file a complaint with the CFPB. I shouldnt have to repeatedly file complaints with CFPB to get an answer when they all have emails.
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MN 551XX	Web
I keep having to dispute a company on my credit report. In the month of XXXX I disputed a company called Trellis Company on my credit report. The credit bureaus take this debt off my credit report because they verify that it is not mine, and then XXXX months later its back on my report and I have to dispute it again. I do not know who these people are. I contacted the company and was told it was a student loan. I have not had a student loan in 30 years. The student loan that I did have was paid off years ago, and the school is now closed down. I will not ever pay them. This Trellis Company is committing fraud and trying to get money from me that I do not owe them. They keep reporting me to the credit bureaus and the credit bureaus keep putting them on my credit report. I have had to dispute this at lease XXXX times now. I want them taken off my credit reports and never put back on there. I am sick and tired of having to fight something that I do not owe. I want the credit bureaus to stop reporting false information on my credit report as well. Just because a company says you owe something does not make it true and for them to just put things on my credit report is just plain wrong. I have proven that I do not owe this company a XXXX and they keep adding it to my credit report. I also want them to take off the bankruptcy from my report as well. They told me they verified the bankruptcy but that was a lie. I called the courthouse and was told that they do not verify bankruptcies, so how was it verified. I even have a letter from the court. Another example of how they just put wrong information on a persons credit report.
08/08/2022	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	TX 770XX	Web
I have emailed XXXX over 20 times and havent received 1 single direct response. They have only issued a copied and pasted response to CFPB ( constantly referencing old things that have nothing to do with my complaint ) and Trellis that ignores 2 important points. There was an additional point but I know XXXX will admit that they lied to a 3rd party for legal reasons. Now XXXX at Trellis is ignoring emails and when he did respond it is to give information to contact DOE FSA Ombudsman which they were already told had previously been done and because this is a private loan the FSA ombudsman cant and wont get involved. Trellis is also ok with them not directly answering the 3 points I have been trying to get directly addressed for months! Its not rocket science simply directly and specifically address my points I need the following directly answered : 2 ) Because XXXX is the original creditor they can contact for due diligence HOWEVER per CFPB and FDCPA I can control HOW XXXX contacts me and they refuse to acknowledge it and confirm that Email and my XXXX XXXX only are the only forms of communication to me allowed as anything else is inconvenient. The ignore it and repeatedly violate it with 3rd parties 3 ) XXXX ignores any and all emails sent directly to them no matter what I ask. How am I supposed to communicate when they simply ignore all emails? I know they receive them as I occasionally get out of office replies. The only vague non direct response given is only when I file a complaint with the CFPB. I shouldnt have to repeatedly file complaints with CFPB to get an answer when they all have emails.
06/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	SC 290XX	Web
Hello received a call a few months ago about a Consumer Debt reduction plan called XXXX XXXX XXXX to lower my dept by lowering the APR 's on my credit cards. I told the guy it really looked too expensive ( 5 payments of {$170.00} per month ). I asked if I could cancel at any time and the guy selling me the service I could at any time and texted me an ACH Payment Auth form that said if I wish to revoke this auth and cancel any scheduled debit to my account I can do so within 3 days of debit and to notify them at XXXX XXXX XXXX XXXX. They had me agree on the phone and they talk so fast and they said that should they not do their job I 'm entitled to a full refund. So I called in XX/XX/XXXX to cancel and the person said ok. On XX/XX/XXXX my account was debited. When I called this time. I could told I did a verbal commitment and could not cancel and they will continue to debit my account because ( I ) did not finish the business with them. They also told me they will report it to the credit bureau until the full amount was paid. Nothing is in righting and if I would have known that the contract was irrevocable I would have never agreed to such a thing. Please help me cancel with this company. All I have is a phone number and they are very rude and refuse to cancel. They make me feel like I 'm abusing them and I signed a mtg agreement. This is misleading and wrong. Please help me. They 've deducted two payments of {$170.00}. Now I may have to cancel my whole bank account and have so many auto debits it 's going to be a real hassle. Please help me.
05/01/2015	No	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	TX 773XX	Web
I defaulted on my student loans when I got out of school, because I did not have a job. Texas Guarantee has sidestepped every effort I have made to get these loans out of default. My original loans were about XXXX. Texas Guarantee wage garnished me for 5 years and took almost XXXX from my checks. Texas Guarantee refuses to set up a payment plan and is about to wage garnish me again. They say I still owe over XXXX on my loans. It is easier to wage garnish me, and much more profitable, because I qualify for a low payment. Texas Guarantee is running a racket and has ruined my credit. The people that work for them have no idea how to follow instructions. The new case worker has telephoned me one time. I have asked them to email me repeatedly. I have sent my income tax to them and answered every single question they have asked. It is not an advantage for them to get people out of default, so therefore, they do not put much effort into it. I requested a hearing, and they have given me less than a weeks notice. I tried to get it scheduled for another date and they refused. They are the most difficult company I have ever tried to do business with. If they do n't set up a payment plan for me, I will not let it go back to wage garnishment. I will quit my job and go on food stamps, before I ever let anyone take money from my check that I do not get credit for. Texas Guarantee is a governmental agency which is allowed to steal from the public and has no oversight. All I have asked for is a payment plan and to take my loans out of default.
06/15/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	TX 78729	Web
In XX/XX/XXXX, I reached out to my loan servicer Texas Guarantee Loan or the Trellis Company about payments that were being garnished and were being applied only to the interested and collections fee. Their response was that they were following federal regulations for student loans. However, they advised that in response to the expansion to covid-19 relief act on the Department of Educations guidance, they were in the process of halting garnishments and were working to 'refund the garnishment payment dating back to XX/XX/XXXX. ' As of that contact, I failed to hear from them about this. As of the last week of XX/XX/XXXX, I have consolidated all my loans with another servicer because of how difficult they are to work with, but when I reached out to Trellis in regards to the 'refund of garnished payments ' they stated that my loans were now closed and did not even make an effort to answer my question. My complaint is regarding this refund. I would like to find out if the refund of those payments were completed and or if those payments were applied to the principal balance at all. I was being garnished approx. {$200.00} a paycheck and for a whole year that would be approximately {$2400.00}, or maybe more. I know that may not be a large amount, but I still want to know that they were applied correctly. I do have emails in regards to this conversation and can forward those upon request. I have also submitted this complaint to the US Department of Education and Federal Student Aid.
07/15/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	TX 78728	Web
I have a Texas guaranteed student loan-which originated 1st with XXXX XXXX XXXX and has been transferred to Texas guaranteed student loan corp. Im contacting you because unjustified wage garnishment of Temp worker, because the lender is unwilling to accept less money than possible. Also, the amount of loan is in dispute as I believe I only took XXXX loan and because they transferred the loan so many times, they say I owe twice as much in XXXX loans. I requested copies of original loan agreement w signature and they only sent a statement and not original docs. XXXX/XXXX/2016 wage garnishment is supposed to take place. Also, 2 years ago, I submitted for a payment plan and was told {$45.00} was my payment which I agreed to do, provided all information, and then while I was waiting for approval, was told I needed to give address of reference, and I did call to do so. The person who i spoke with didnt submit the information of address, then because of the lender employees fault of not submitting was told I was turned down and had to do everything from the start. I have told the lender the situation and they only said now they want {$350.00} now to negotiate. Im a temp worker. I had unemployement for XXXX week this month, and they wont renegotiate to what I first was approved for. {$45.00}. They want me to go through the whole process again although I did everything they asked. I want to be a plan of {$45.00} as I agreed long ago and copies of originals. And no wage garnishment.
05/27/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75067	Web
I first contacted Trellis on XX/XX/XXXX disputing the first date of delinquency. I asked for proof of payment history to back up the date. All I received was a loan summary with ZERO payment history that they sent XX/XX/XXXX. I was told via email that XX/XX/XXXX was the date of delinquency was given by XXXX but there is ZERO paperwork of them getting this date. If there is, it wasn't sent to me as requested. This company is in violation of 623 ( a ) ( 5 ) ( A ) ( ii ) as they didn't follow reasonable procedures to obtain the original date of delinquency since the original creditor did not list it on my credit report. ALSO, once I disputed the information, they violated the FCRA by not conducting a reasonable investigation. I did a reasonable investigation and obtained payment history from the original creditor that is listed. The original date of delinquency is XXXX of XXXX. All of this is backed by email correspondence. That was the date I fell behind and my account was NEVER current from that point. I have payment history, they don't. There is NOTHING to back up THEIR date This company has CLEARLY violated the FCRA and I want these accounts IMMEDIATELY removed from XXXX, XXXX and XXXX. I'm confident that now that I've pointed out this issue and completed THEIR investigation for them, which all I did was make a phone call to the original creditor, that I will have the desired outcome I asked for.
03/18/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web	Servicemember
First I do apologize for bugging CFPB in reference to this problem. I previously submitted a complaint against The Trellis Company in reference to a Student Loan from back in XXXX. I received information through CFPB, per Mr. XXXX XXXX to contact him. I contacted Mr. XXXX in which I asked him for information showing I did not ask for this forgiven loan to be repaid by me. I informed Mr. XXXX the last thing I knew about this loan it was forgiven. I also informed Mr. XXXX if something had changed no one notified me in any way. Per MrXXXX XXXX, he would have someone contact me and supply me with the requested information. After waiting over a month I contacted Mr. XXXX and he asked you havent received anything yet? I informed him nothing, to this day Ive yet to be notified from anyone at Trellis Company in any way. I have contacted Mr. XXXX numerous times only to be sent to his voice mail. I have left numerous voice mails messages however, he has yet to return a call or supply me with any documents. I feel this is the same reason a {$2000.00} XXXX XXXX is now over {$6000.00}, due to not being notified or communicate with. May I PLEASE have some assistant with this from CFPB? This information is being reported to the Credit Bureau and I'm trying to get it resolved. I can not do anything if the Trellis Company refuses to talk to me. I have been trying to resolve this for quite some time. PLEASE HELP!
02/29/2020	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 20111	Web	Servicemember
Consumer complaint narrative I received a letter from the Trellis Company on XX/XX/XXXX claiming that I owe { {$18000.00} }. They went on further to say that I defaulted on this obligation ( I dont owe them ) I saw no other information about who the original lender was, and what the terms and agreements were for the loan. They simply stated that I owe { {$18000.00} ) and they will garnish my wages to resolve the issue, which is Not right. I had my loan From Virginia Bankruptcy Court XXXX Dischrged, XX/XX/XXXX which The company was XXXX. Plus XXXX did not show up in court in XX/XX/XXXXfor the {$10000.00} loan so Judge GRANTED me FULL DISCHARGE OF CHAPTER XXXX liquidation of Assets to me. Now, 5 years later I get letter from these Trellis Company and wage garnishment to XXXX XXXX in XXXX Va to garnish my wages and didnt say what date the loan was I had with them Trellis ( I have no loan with them ). This money laundering and target consumers of bankruptcy is illegal. I am a single mom and have no money, to go after these thugs,. Please help. Virginia Bankruptcy Court of XXXX said loan was discharged and trellis isnt named on court papers so they are threatening me and my company. What Trellis sent to XXXX is some made up number, and There was no other specific information as to the account number, the initial date the loan was started or which financial institution loaned me the funds.
02/10/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	OH 44128	Web	Older American, Servicemember
I received a letter from the Trellis Company on XX/XX/2020 claiming that I owe {$11000.00}. They went on further to say that I defaulted on this obligation. I saw no other information about who the original lender was, and what the terms and agreements were for the loan. They simply stated that I owe {$11000.00}, and they would proceed with contacting the U.S. Department of Education to resolve the issue. It appeared that they were coercing me to make a decision. There was no other specific information as to the account number, the initial date the loan was started or which financial institution loaned me the funds. I financed my education for my degree with grants, scholarships, veterans financial aid, work study, and regular employment with two jobs. I need Trellis to be forthcoming with specific details. I am currently paying for defaulted student loans with an offset of my social security and income taxes with the United States Treasury. My current financial situation is dire and difficult I have fully cooperated with my lenders. I am currently on an IBR because I am at the poverty level, and I have a serious medical condition with high medical bills and prescription medicine that I take. My medicine is life critical medicine, if I do not have any or can't purchase it, I will die from not having the proper medications. I am XXXX years old and an XXXX XXXX XXXX Veteran.
03/22/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	VA 23112	Web
I am on a Federal Loan repayment plan and have set up monthly payments to offset my past due amount. I spoke with a representative at Texas Guaranteed to set up all the details and spoke with them at length about my options. I was told that I could make monthly payments that were configured based on my income and my bills and that after I had made enough qualifying payments that my loan would be considered in good standing. In my first conversation with Texas Guaranteed representatives we discussed taxes and noted that I had not been able to file in the past couple of years because I was the victim of identity theft. We discussed that I hoped to file this year. I set up the payments and have made them on time since I set them up. I was able to file my taxes and was expecting a federal tax refund of almost {$3000.00}. A couple of days after the IRS notified me that my tax refund was supposed to be deposited in my account I had to call several different numbers to find out that my tax refund was seized by Texas Guaranteed. At no point in our discussions was I notified that my federal refund would be taken, and I did not receive anything in the mail that my federal refund was going to be taken. I called a spoke with a different representative and was basically told 'oh well too bad we wo n't release your refund '.
04/14/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	TX 78660	Web
I had a Stafford subsidized loan that went into default. My servicer was Texas Guaranteed. They began garnishing my wages, and on top of the 3.5 % fixed interest of my loan, Texas Guaranteed saw fit to charge an additional 12.5 % each month as a " service fee, '' even though my HR department did all of the labor to complete the transaction and Texas Guaranteed just passively took my money. I tried multiple times to transfer my debt to another organization, but Texas Guaranteed refused to relase it. The debt is now paid in full, but the account still shows delinquent on my credit report. If this is n't a crime, it should be. Somehow, my generation and income bracket ended up being the first people in history who actually had no way of getting out of debt without being subjected to the abuse of a private debt collector. Even bankruptcy would n't have saved me. I was n't even an adult when I ( actually, the signature on the MPN was forged by my mother ) signed up for this loan. I was unfairly pushed into the idea of signing up for the loan by an education system that misrepresented the return on investment that it would provide, and the loan was approved without consideration for my ability to repay because it was guaranteed that I would be compelled by the U.S. federal government, without recourse.
10/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37042	Web	Servicemember
These accounts have been consolidated in XX/XX/2014. At no time was I contacted in writing by XXXX XXXX XXXX XXXX XXXX about my multiple accounts being delinquent or sent to collections. Texas is currently reporting this as a collection account. This is not only inaccurate, but it is placing my military clearance in jeopardy. XXXX XXXX XXXX is reporting multiple accounts as 120 days past due, all having a XXXX balance, and all in excess of 7 years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX. XXXX XXXX is also reporting that I had student loan accounts with them in excess of 120 days past due, many of which are greater than XXXX XXXX XXXX. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans. Another student loan creditor, XXXX XXXX XXXX, is also reporting multiple loans as 120 days past due and these loans are older than 10 years. The United States Department of Education/XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old.
10/27/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	TX 75039	Web
XXXX student loans in XX/XX/XXXX were taken out that had 6 month terms that were ironically XXXX loans totaling the exact same amounts as defaulted amounts on letters I received claiming I was in default for these amounts. The total amount = {$23000.00}. I never took out these loans because I was already 2 years graduated out of XXXX XXXX with my XXXX. Then after my student loan closed in XX/XX/XXXX, I find a new loan attached to my credit report for {$22000.00} with XXXX, is this the loans from XX/XX/XXXX, no doubt I believe so. How come TGSL ca n't provide me of details around my loan? I have a link of all my documentation around the deceptive activities going on with my student loan over the course of the last 30 years, of which I will sue XXXX for garnishing my wages over {$17000.00} for already for a loan that is n't even mine that they took out in my name. They should have guidelines to follow and be held accountable for deceptive trade. My loans never went into default they refinanced mine and then opened XXXX loans in my name to default me instead, and they need to stop doing this to people. XXXX XXXX Here 's the link to my supporting documentation : https : XXXX? usp=docslist_api
12/02/2017	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	AZ 85205	Web	Older American, Servicemember
On XX/XX/XXXX, I receive a letter of collection from XXXX ( XXXX XXXX, soon to be XXXX XXXX ) about a debt that I am already paying on via offset of my Social Security. They are threatening collection action if I do n't make payment arrangements ( current letter included, dated XX/XX/XXXX ). I have been paying this debt, above a reasonable amount since XX/XX/XXXX ( Documents attached, except XX/XX/XXXX as that document is missing ). This company does not participate in an Income-Driven Repayment Plan with the US Government, Dept of Education, yet, they collect for the Dept. of Education. I have submitted such a request ( IBR ) to the Dept. of Education, via XXXX, and they have long-since accepted this. I am currently on forbearance. I highly resent their letters to me threatening collection when they are already collecting on the debt. I do not talk to them as they contact me through various, unknown phone numbers and often, the people on the other end are not helpful. Furthermore, voicemails that are left leave only a name of person to call and, " Please call this number and reference this file [ some number given ]. '' As no other information is left, no calls are returned.
02/06/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	TX 75098	Web
I took out a student loan back in XXXX in the amount of $ XXXX for XXXX school. I started paying them back but after 3 years I was pregnant, moved, and did n't work for a while. They deferred the loans but eventually they went into default. My loan is currently with XXXX XXXX Texas Guaranteed XXXX XXXX XXXX XXXX and they received the loan XXXX/XXXX/XXXX with a balance of {$16000.00}. As of today, XXXX/XXXX/XXXX ( 23 years later ), my balance is {$18000.00}. Now I could understand this if I had not been making payments. However, I have consistently been making payments and have paid to date on this loan the amount of {$42000.00}!! XXXX keeps adding collection cost even though they never have to call me. I feel that for the amount of money that I have been paid back, that I have satisfied my debt to the federal government which was in the amount of a little over {$17000.00}. I wrote XXXX DC and they wrote me back stating they were investigating my case and then nothing. Every time I called I could n't get anyone on phone. I do n't know where to turn and hope that someone can help, and hopefully that someone is the Consumer Financial Protection Bureau.
08/26/2016	Yes	Student loan Non-federal student loan	Getting a loan Can't qualify for a loan	MA 016XX	Web
Texas Guarantee has been trying to collect payments for a student loan that 's not mine. For the past 2 years, they 've taken my tax return and I 've to them the loan is n't mine. They just have an electronic signature. Then I reach out to the school XXXX, asking for information because the debt is n't mine, and they forward an email between the student and a teacher. I tell the school that 's n my email and also ask them why they 're reporting XXXX loans on my name ; however, they never responded. Texas Guarantee is trying to garnish my wages if I d agree to a payment plan for a debt that 's not mine, and they 're starting on XXXX XXXX. The previous wage garnishment letter they sent me, was sent to my address, but the employer was n't even mine. There are discrepancies on a lot of things, and I was even in the country. I 've messa the school and I 've sent certified letters to TG, but have not received a response. I make little money and have a lot bills, and medical bills ; therefore, wage garnishment will put me in a very bad situation. I never received a check, and did not attend the school. This is between TG and the school.
07/06/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	TX 786XX	Web
Problems started from the very beginning with trellis. They gave me the option to consolidate and add a ton of interest or threatened to mess up my credit and keep me in default and take my money from my work. They even locked me out of my account so I couldnt pay. They didnt let me in until I threatened to get a lawyer. I was not about being forced into adding $ XXXX to my loans so they took the money from my checks. They will not let you pick how its applied so they put the money towards the low I retest loans first leaving the high interest. I have finally gotten to below {$1400.00} and they stopped cashing the checks and threatened to give my money back. Because they Have been charging illegal interest against covid rules and still taking my money. I wrote them and called them. Then emailed what they told me to. I emailed them to keep the money and apply the illegal interest towards the loan. Instead they have now sent me a refund and put all my balances back to $ XXXX on the higher interest loans. I know they did this so they can do collection and interest again. These people should be shut down.
09/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 760XX	Web	Older American
I called the debitor they say this loan, two of them are mine. I called XXXX and XXXX XXXX they told me this was done electronic with a electronic signature .I was out school in XXXX was paying one one loan to government student loans XXXX and XXXX XXXX only.. Then this shows up on my credit XXXX, that I went back to school took out more loans .I stopped paying my loans to get this fixed and removed as fraud .I called XXXX and they say I owe for a colorado college loans I know nothing of colorado student loan.. I never did online signatures and I only went to one school which I have documentation to and payments. I told XXXX this, now they are saying I agreed to pay XXXX dollars a month payments .. I did not agree to anything with them.They are sending me bill statement thru the mail now. This is harassment to me. I had a fraud alert on my credit for yrs and yet this happens to me now. Why was my fraud alert lifted off my credit reports this would not of happened it alerts were still on the credit reports. How do I get this XXXX school loans off my credit reports and how do I prove fraud???
10/07/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	VA 238XX	Web
On XX/XX/2021 the federal government made it possible for those who had defaulted on their student loans to get a refund of the payments they were making to get their loan back in good standing. I had been doing this for 7 months thru Trellis. I requested a refund of the money. I had been paying them $ XXXX/month for a total of {$930.00} when this possibility was made possible. I requested my refund of the {$930.00} on XX/XX/2021. They still have not refunded my money. I have made 3 attempts to contact Trellis and find out why. Each time they say the money was sent to the wrong address ( meanwhile I have received regular correspondence from them at my mailing address ) and they would send me another check. They initially told me it was processed on XX/XX/XXXX then again on XX/XX/XXXX. I still do not have my refund. When trying to escalate to a supervisor, they say the same thing as the first line employee. They have been no help and beginning to believe they are not sending it. Any help would be appreciated. Thank you for your time and attention to this matter.
09/21/2017	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer	AZ 852XX	Web	Servicemember
XXXX from texas guaranteed has repeatedly harassed my potential employers for the past 6 months while I am interning - the employer has let them know I am not a XXXX Employee, even after I complained on here after repeatedly asking them to stop contacting. They do not block the number - so it shows who is calling - and leave messages with staff members to call me, including voicemails on non-secure voicemails that other staff members here stating who they are and why they are calling. The past 7 days alone I have these : XX/XX/XXXX @ XXXX both voicemail and message with staff left by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX at XXXX and XXXX by XXXX XX/XX/XXXX at XXXX and XXXX by XXXX I spoke with the manager after the last time I wrote a complaint on here to stop contacting and clearly that did not happen. How do they expect anyone to ever get and/or keep a job when they do this? They also call my family members and harrass them.
06/25/2019	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 630XX	Web	Servicemember
received document from the company ( trellis company ), stating that they had acquired a delinquent student loan debt from another company. I received this notice on XX/XX/19, however the letter was dated, XX/XX/19. With that, the letter states that they ( trellis ) acquired this debt from another company ( XXXX ) who was well aware of the fraudulent nature of this student loan, as I not only have never taken out a student loan, I have never been a student outside of receiving a free public high school education. Thus making it more than impossible for me to incur student loan debt. Trellis Company has threaten to tarnish my credit score, by reporting this erroneous baseless account, as well as garnish my wages. Ultimately, Trellis company is attempting to collect XXXX for a student loan, that i never received, did not consent to, and had no knowledge of. I have sent them the original police report associated with the original fraudulent account, as well as, a letter explaining my position.
06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75052	Web
The Master Promissory Note you provided was handwritten, not data entered into a computer system. The handwritten data is not my writing in print and the signiture is not mine. The date of birth is not mine which was also handwritten. I provided documentation with my handwriting in cursive, print and my driver 's license with my correct date of birth. Although I completed all request i was asked to do from your company, you still continue to hold me accountable for a debt that's not mine. You did not provide a full copy of the original Master Promissory Note. Please provide the following data, a full original copy of the Master Promissory Note from the original creditor, please provide a full copy of the original loan documents and application with the wet signiture or esigniture from the original creditor. Please provide a full payment history from the original creditor. Please provide the original purchase agreement from the original creditor to Trellis Collections Company.
02/19/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	TX 764XX	Web
Trellis Company, formerly known as Texas Guaranteed, contacted my employer on XX/XX/XXXX with a garnish order for unpaid student loans. This issue is the error of the Trellis Company. For every semester a student takes a loan, the company has it in their system as a separate account. I send one check a month and the company splits the payment between five accounts. 11 months ago, they started splitting it between four accounts and left one unpaid without notifying me. My credit is ruined and they are going to garnish my wages for 15 % of my income. When the error was pointed out to them, they sent me an email on XX/XX/XXXX acknowledging their mistake but said it would take 30 to 90 days to process the paperwork in order to stop the garnish. This is unacceptable. No one with the company will give me a last name or employee ID number. Address of Trellis : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone Number of Trellis : XXXX Email of Trellis : XXXX XXXX
03/21/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	TX 77095	Web
Continues to report inaccurate information to the credit bureaus, which is effecting my ability to get credit and forcing me to pay higher interest rates ( up to 23 % auto loan ) I've ask for validation of debt owed which should include a signed contract between me and the company. they sent two unsupportive document that date 9 years apart. Would like to see the original instrument of indebtedness in its original form, along with the amount owed. To make things even worse, you can see that the account numbers are different across all credit bureaus. along with the original amount being different on each Bureau. It states that if You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75071	Web
The response of Trellis Company to my request ( XXXX ) is not acceptable. Again, in accordance with FACTA Section 312, I am requesting TRELLIS to send me 1. ) the original promissory note showing proof that I owe this debt and the agreed-upon terms, 2. ) maturity date, 3. ) principal, 4. ) interest and issuers signature. These are the accounts in question : TRELLIS- XXXX XXXX, Trellis XXXX. Please provide these 4 documents. Furthermore, I believe this information on my consumer report to be a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions.
08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 650XX	Web
On Friday, XX/XX/XXXX, I checked my credit report through XXXX XXXX. A new, unpaid XXXX loan had shown up in the amount of {$44000.00}. The origination date shows XXXX XXXX XXXX I was not in XXXX at the time. 2 years previously, my husband and I had a loan forgiven for roughly the amount in XXXX for our service in high needs, low income schools as XXXX When I contacted Trellis, they had no record of the loan and could provide no additional information other than there was no loan in the National Student Database attached to me for that balance. It was suggested I call XXXX as the loan may have originated with them. I called both XXXX and XXXX and neither had record of that loan and I can see in both their dashboards that there is no loan for me. I also have logged in to my XXXX XXXX account with the federal government and there is no loan there. This is a false report.
03/01/2016	Yes	Debt collection Federal student loan	Communication tactics Frequent or repeated calls	OR 972XX	Web
Loan went into default after illness. Contact mailings about default were sent to old addresses and discontinued phone numbers. Four years later finally contacted present address. I suffer from XXXX. In and out of XXXX ; spotty work record. My mother offered to pay off the debt by collection agency will not allow full payment ; will not allow reduced fee. Collection agency will not mail the questionnaire for payment plan- insists on phone call only, mentally I can not handle that type of interrogation. I just need them to stop harassing me. Threatening me with garnishment when I just now got a job. I am homeless most of the time. The stress of the threats causes me to lose my jobs. I can only work about XXXX hours a week XXXX. I want help just paying off what is fair and making them put their offers in writing- I ca n't handle talking to people. My mother is will to help
02/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 14450	Web
I don't know if I ever took this loan out. I haven't been getting credit for my payments. Texas Guaranteed sued me in Texas, i live in New York, and garnished my wages prior to the judge giving them permission to per the court paper work i have. Now Texas Guaranteed is called Trellis. I am not getting credit for the payments I'm making them. NSLDS is not being updated with the payments I'm making them and they sent me proof they are reporting the payments to nslds. I want proof this loan was taken out by me, something with my signature saying that I took this loan out and it went towards my college education. Otherwise it could be an internet crime, fraud or identity theft, etc. I have police reports on file. On my credit report it states i have not been paying the loan & its in defeat and that's not true. I've submitted disputes with all 4 credit reporting agency 's.
07/23/2020	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	FL 33544	Web
I would like to report a student loan collection agency is not reporting on my credit report correctly. The agency name is TG Trellis. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Per the cares act they aren't suppose to report deliquency on non payment student loans. From XXXX XX/XX/XXXX. How ever they still are reporting. Even Though I contacted them by e-mail. They still refuse to correct this on credit report. The second mistake they are reporting is they delete my balance and then re-add it every month so it appears to look like a new account which does more damage to the score. Do the decrease balance of {$3200.00} and then add balance right back on. Likes like new deliquency.I ask then to correct and also reported to credit bureaus and corrections are not made. I would like an investigation in this matter please. My name is. XXXX XXXX
10/23/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	TX 77090	Web
My loan was with XXXX, they got sued by the attorney general of massachusetts I was told by a letter sent to me that my loan was back with XXXX that has been closed since XX/XX/XXXX, then I got another letter later from XXXX XXXX saying they got my loan from XXXX allowed by XXXX and that my payment from XXXX was transferred to XXXX XXXX, XXXX was closed XX/XX/XXXX there has not been any payment to transfer from XXXX. Now XXXX XXXX want me to pay them. Amount pretty much the same since XX/XX/XXXX when I got the loan I dont know how much I have paid over time I feel they are in cohus with the type of business XXXX was doing How do I find out how much I have paid from XXXX that my account is closed with them since XX/XX/XXXX, to XXXX who got sued during the time they had my loan with them while the were in this trtouble.
01/29/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	ND 58601	Web
I recently learned that Texas Guaranteed Student Loan Corp. was reporting that I allegedly owe them a debt. I mailed notice disputing the alleged debt. I sought numerous, very specific documents that would substantiate TG 's claim that I owed them any debt. I am attaching a scanned copy of the request, the credit report, along with all other pertinent documents. In reply, I received from TG : " a True and exact copy of the original '' alleged note which shows TG as the Guarantor or lender. TG also provided an alleged account summary claiming the original lender was XXXX for XXXX. TG has been reporting in my credit report that this alleged debt originated with XXXX. I disputed the debt with TG and in response TG stated they verified the alleged debt by providing me with the fraudulent documents I described above.
03/22/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	OH 43081	Web
I filed chapter XXXX bankruptcy. My plan was a XXXX % plan with a special provisional to pay all school loans XXXX %. XXXX school loans were involve : XXXX claimed that I owed {$38000.00} I paid the full amout that they claimed that I owed. Texas Guaranteed claimed {$31000.00} I paid the full amount that I owed. Now that my case is discharged ( Paid in full ) both companies sent me bill over {$10000.00} each. Total over {$20000.00}. I have contacted them, My attorney has sent the court documents stating that my plan was a 100 % plan with a special provisional to pay student loans XXXX %. Neither company has given me any proof that I owe them money. They have not been able to proof that I Owe them any money nor can they prove they explain the amount that I owe. I am concerned and confused. Please help.
09/09/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	TX 78717	Web
Your are listed as the original creditor of this debt whom sold this debt in to collections which its now in the hands of Trellis company. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to provide the original contract of indebtedness. Idemand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the amount of XXXX that Trellis company is collecting on through garnishment. Trellis company has failed to provide the original consumer contract. How is Tellis company able to collect on a debt you sold in to collections without the original consumer contract. How did they even come up with the dollar amount they claim i owe without the original consumer contract?
07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75071	Web
TRELLIS COMPANY has been previously notified to verify my account to be accurate and complete. I have noticed that TRELLIS COMPANY has been violating my rights by reporting inaccurate and incomplete information on my credit report. TRELLIS COMPANY is reporting different information to two different credit agencies for the same account. TRELLIS COMPANY has an obligation under the FCRA 's " furnisher rule '' to not report information they believe to be untrue or inaccurate or that they've been told is untrue or inaccurate. These inaccuracies and inconsistencies have led me to believe that TRELLIS COMPANY has NOT researched and verified these accounts in violation of my rights. Needless to say, their willful and continued disregard for the law has caused me damages.
02/18/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	MS 38654	Web
On XX/XX/XXXX I signed for a XXXX loan for my daughter with Texas Guaranteed. in XX/XX/XXXX I filed Chapter XXXX in Mississippi and claimed TG as a creditor which they filed a claim for {$10000.00} which was paid in full and my case was closed in XX/XX/XXXX. I have received phone calls from TG that I now owe them an extra {$4000.00}. The case number from TG is XXXX. My attorney explained to me before filing that creditors would file what I owed them and once they were paid that debt was over. Desired solution is have them quit calling and recognize this is a settled debt by The Bankruptcy Laws. They are also not to affect my credit scores or report in any way. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XXXX email- XXXXXXXXXXXX Texas Guaranteed case - XXXX.
02/23/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 752XX	Web
Texas Guranteed failed on many times to call back or even said I would qualify for a Hardship program income pay back, but rather that send me the appropriate work each and every time I tried to do a payment or even provide my checking account they would say well your repayment was never set up, ive signed multiple contracts and when they receive they say not received, im a single parent XXXX XXXX working about 70 hours a week and then they go out and do this to me, I work hard for my money this isn't fair. now im danger of loosing my home and continue loosing a lot of things because of their negligence and disorder within the company, they claim to want to help but they want to destroy you and make sure you stay down. This is highway robbery
10/14/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	MO 630XX	Web	Servicemember
Trellis company is insistent they i owe for two student loans in the amount of XXXX and XXXX dollars respectively. However, not only have i never procured a loan from this company or any other student loan guarantor, I have never been a student, considering I began to serve in the U.S. military directly after my high school tenure and have remained XXXX since XX/XX/1998, thus proving that I have not been a student since XX/XX/1998, and could not have applied for any student loans. I have contacted the US Department of Education, the local police, and the ftc in regards to this matter. This company is tarnishing not only my good name, but my hard earned credit worthiness as well by placing this fraudulent account on my credit profile.
08/16/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NM 874XX	Web
Trellis Company is the problem;1. They claim I had student loans when I wasn't in school.2. They claim that I was somehow able to borrow more each year than the legal limit.3. I am a XXXX in a district that is considered a low income school district and somehow I am unable to receive debt forgiveness. I have never been given a reason why I do not qualify.4. Trellis garnished my wages without my knowledge. The letter they sent to me was dated XX/XX/2019 but they garnished wages in XX/XX/2019.5. The federal promissory note that Trellis has; a. Is Not signed by me (It has someone else's signature) b. an address that belongs to my mother, an attorney, in Texas that was dealing with Trellis last year. c. missing information
12/04/2018	Yes	Debt collection Federal student loan debt	Communication tactics Called before 8am or after 9pm	OR 97058	Web
A woman called on XX/XX/2018 at XXXX and refused to identify herself other than to say her name was XXXX. Asked her at least 5 times to identify the company or what the call was about because she wanted me to confirm my name and year of birth before she would say who she worked for. Finally identified the company as Trellis Company, who I do have a payment plan with. I pointed out to her that it was XXXX in my time zone, which didn't seem to phase her at all. She was calling about a {$5.00} debt that was less than 30-days old. All she had to do was say this is XXXX from XXXX and I would have recognized the call as legitimate and answered all her questions, even though it was too early in the morning for her to be calling me.
04/17/2019	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	OH 44121	Web
I was fired from my job XXXX of this year and just received notice from the IRS that they are taking my tax refund to pay an unpaid federal debt. I checked my credit report and my student loans are all in good standing. So I tried calling the phone number listed on the screen and the answering system stated that the company I was calling was a debt collector Trellis Company any information obtained would be used to collect the debt. I was never notified by Trellis Company that they were taking my refund. The one and only notice that I received was last week from the IRS after they finally approved my refund. Which puts me in worse financial hardship because now I have no way to pay my rent nor buy food.
12/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30052	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
03/10/2017	Yes	Debt collection Non-federal student loan	False statements or representation Impersonated an attorney or official	TX 761XX	Web
I paid {$500.00} to receive a XXXX yr forgiveness on a student loan. I was granted the forgiveness and a payment plan was established with the Federal government. To date, those payments are current. The loans that were supposedly forgiven ( school is defunct ) are now being garnished from my wages because a debt collector sent a letter to my employer stating that by law the money can still be collected. The collector stated a court order, however no court order was sent to my employer or myself. The order was issued by the collector. According to my credit report, the loans that were forgiven are listed as closed. These are now being garnished from my wages by the collection agency.
08/08/2016	Yes	Student loan Non-federal student loan	Getting a loan Can't qualify for a loan	TX 787XX	Web
Hello- Upon reviewing my credit report attached, I see I 'm still being affected by accounts that have been fully paid over 7 years ago that are obsolete, outdated and too old to be on file. I have paid this accounts in FULL. The accounts I discovered that are obsolete, outdated and too old to be on file : TEXAS GUARANTEED STUDENT TEXAS GUAR STUDENT LOAN Please help me delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. I 'm trying to buy a house and this has completely messed up my finance options.
05/02/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't get flexible payment options	TX 78641	Web
Original loan service purposely kept me in default to collect outrageous fees and interest for years without every paying a dollar toward principal. I inquired about ways to get out of default but was n't given workable option. Told I had to make double payments for a year -- close to $ XXXX!! Finally knew someone on the 'inside ' of this corporation and they helped get me out of default. My loans were bought out but still have a have a loan balance equal to what it was even after paying thousands via default. Thinking I was victimized. ZERO communication from lender in order to keep me in default. How do I find out if I was taken advantage of while kept in default??
11/20/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	TX 78218	Web	Servicemember
The Trellis Company is a collection agency that is requesting money from me that I have already paid and I have records to prove it. There was one other collection agency which was XXXX XXXX and they passed it to Trellis Company. Trellis Company took funds from my Social Security. I sent letters to them and they still continued to sent threatening letters to take my wages and any other monies. I think this is fraudulent and I'm willing to believe that other people have had this done to them. I am willing to go to court and I am writing this because this is what I am told to do at this point. I would advise anyone with a school loan to save all of their paperwork.
09/15/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	NY 14450	Web
Trellis, formerly known as Texas Guaranteed sued me in the wrong jurisdiction, I live in New York and they sued me in the state of Texas. I have never been to Texas. They also added on thousands of dollars in fees to my loan. they also started illegally garnishing my wages and forced me into a settlement over the telephone in exchange for them to no longer garnish my wages. They took over {$300.00} from each paycheck and forced me into poverty. I was forced into paying them {$130.00} a month in exchange for them to no longer garnish my wages. this is adding on to case XXXX here is the proof they sued me in the wrong jurisdiction
03/27/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	NM XXXXX	Web
While I was paying on a credit recovery plan on my Texas Guaranteed loans through XXXX I was under the impression that once I finish that plan that I was going to continue making payments to XXXX to finish paying off my loans. However once I finished with the plan they transferred it back to TG without my knowledge. I had to actually call TG to find out what had happened to my loans with them. Had I been informed that would have happened in the first place then I would n't have had issues paying TG right away. This switch also happened right when we moved from one state to another so it took some time to get it straightened out.
03/24/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	CA 94115	Web
About 2 months ago, I received a phone call from TG XXXX, stating that I owed a {$100000.00} student loan debt I did n't recognize. My name ( XXXX ) is similar to the borrower ( XXXX ), but the address and social security number do n't match the borrower. The rep I spoke with apologized and said they would take my name off the list. Today, my employer told me that they received an order / demand letter from TG XXXX directing them to garnish my wages due to this same unpaid bill. I convinced my employer not to garnish my wages because the social security number did n't match. I want TG XXXX to stop harassing my and my employer.
02/24/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	VA 20111	Web	Servicemember
XX/XX/XXXX, I have been contacted on several occasions by Trellis company about a student loan from Texas Guarenteed from XXXX, from XXXX that was discharged in XX/XX/XXXX. I have send correspondence with date of discharge to Trellis about Chapter XXXX, total liquidation, and that since XXXX Did not come the creditor meeting in XX/XX/XXXX nor after discharge 60 days which they XXXX the creditor, did not come to court in XXXX Bankruptcy Court. All debts were discharged and here is the number XXXX. I need help and no body wants to help me a single mom, and who XXXX XXXX XXXX XXXX folks and seniors. XXXX XXXX XXXX
12/21/2020	No	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	NY 11221	Web
Hello. I was a student at the XXXX XXXX XXXX at XXXX XXXX. My students loans were transferred to Trellis Company a few years ago. Under the Cares Act, current student loans are forgiven for the time being because of Coronavirus. I reached out to XXXX asking if I could lower my interest rate because I was paying throughout the pandemic. They informed me that I do not qualify for Cares Act AND they have been charging interest on my account DAILY. Is there anyway to take action against these charges? This is unethical especially with 6.9 % of the population is unemployed ( according to the Bureau of Labor Statistics ).
04/09/2021	Yes	Student loan Federal student loan servicing	Improper use of your report Reporting company used your report improperly	FL 32505	Web
Currently I continue to received threatening and harassing letters from the company Trellis, who currently has my student loans. They had agreed to take out money out of my wages to remove any negative credit reporting and bring my account to good standings. Not only did I have wages garnishment, but they also didnt bring my account to good standing as promised. They also have not been willing to work with me in the process until recent. They continue to send letters even though the Cares act was implemented into Law to prevent creditors such as these from any type of wage garnishment and payments until XX/XX/2021.
04/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
XXXX XXXX is listed on my XXXX Credit Report ( XXXX ) three times as an installment loan. It is also listed on XXXX ( XXXX ) as an installment loan three times. It is also listed on my XXXX credit report ( XXXX ) three times as a credit card. This creditor can not verify that the following debt is mine. I have never signed anything with the company. The Company has varying account numbers and varying account types on the report. The company can not validate this debt is mine and accurately posted to my credit. I am requesting XXXX XXXX remove all three credit listing to be removed from all three credit bureaus.
10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75071	Web
Trellis company is willfully ignoring my requests and willfully violating my rights. I have notified them about identity theft. According to the law since I have claimed to be the victim of identity theft, the collection agency must temporarily stop their collection effort and investigate the debtors claim. They have not done this. If they claim to have investigated I would like to know how they investigated and who they spoke with. Again, TRELLIS- XXXX XXXX, Trellis XXXX are a result of identity theft. I am demanding Trellis to suspend their collection and do a proper investigation.
01/06/2024	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	TX 77087	Web
XXXX XXXX XXXX - Texas Guaranteed Student Loan Corporation executed several federal XXXX XXXX Master Promissory Notes between XXXX XXXX ( lender ) and XXXX XXXX ( borrower ). The loan includes a 100 % origination fee to the student loan request which is considered predatory. Additionally, the university had an 18 % student default rate at the time of the loan. The borrower was unaware of the default risk until after the loan was executed and transferred to the US Department of Education. As a result, the borrower has never been able to keep up with the unfair loan services.
10/02/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 78586	Web
Trellis Company, the debt collector to whom I have been paying my student loans agreed to accept a smaller portion of monthly payment. After the agreement, they were supposed to send my employer a letter so that they could stop taking payment from my check. It has been almost 2 months, and they have not sent the letter. In the past, I informed them that their method and amount they were taking from my pay was too much and was hurting me economically. They argued that I would have to wait for a hearing from a judge in order to make any changes.
09/16/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	TX 78108	Web
Spoke with XXXX XXXX at Texas Guaranteed and someone in the compliance department who refuses to work with me in getting my loans resolved. They are forcing me to stay in garnishment, giving me inconsistent information and very very rude. I would like for them to no longer service my loans, remove my garnishment. This is the worst customer service experience I have had to deal with. Although I owe money, it does not give them the right to hang up on me when I am trying to find a solution for myself and help myself out of this XXXX situation.
04/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 29212	Web	Servicemember
Trellis company is reporting and trying to collect a debt that is 13 years old. This is a personal student loan issued to Colorado XXXX College in XX/XX/2007. The XXXX is XX/XX/2007. I called Trellis to discuss the account. I also replied via email to a letter that I received from them in the mail demanding them to cease and desist on the collection and reporting of this account. Per the FCRA the statute of limitations has passed on this account. Trellis has been illegally re-aging this account.
09/11/2017	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	CA 90049	Web	Servicemember
I have been paying an amount that exceeds my required payment with the expectation that the excess payment wouild go against the loan principal to work toward lowering that. The company refuses to apply my excess payment in this manner insisting that the law says that excess payments must go to collection costs first. This serves to increase the amount I must pay in total since the loan would basically restart after I pay offf the XXXX outrageous ) collection costs.
03/22/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	TX 76017	Web
Twice now my federal tax refund has been withheld in its entirety to go toward these student loans. However, my credit report reflects that while my entire refund was withheld, only a portion of that actually went toward the balance on the loan. My refund amount from 2016 was {$830.00}. My credit report shows the loan balance decreased by only {$400.00}. I have been unsuccessful in getting the collection agency to furnish proof / payment history on the account.
09/07/2017	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 75075	Web
They are calling my employer every day after I told them they could n't call my work. Leaving messages, calling the front desk when I do n't personally answer, etc. XXXX ( caller id says XXXX XXXX ) and they leave this number in the voice messages XXXX. They have stopped leaving voice messages after i told them they ca n't call my place of work but they still call my work phone, my work 's reception, and speak to other people at my work to reach me.
01/14/2019	No	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	TX 78723	Web
My part-time employer, with whom I do NOT share and office, and for whom I do NOT have a work phone, received a voicemail for ME SPECIFICALLY and PERSONALLY with personal information in the voicemail. I have the transcript of that voicemail. This was on her personal cellphone, not some office number - there is no office number. They used my NAME and left DETAILS. That is horrifying. I have a screenshot of the transcribed voicemail.
03/12/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	GA 30078	Web	Servicemember
I attended XXXX XXXX College back in XXXX for one semester before moving back to XXXX.. I received {$600.00} for my first semester and 2 semester I withdrew and returned my second semester check back to the school..in XXXX i started receiving calls about paying off my loans when I set up arrangements a year later my loans continue to increase.. im not responsible for any other funding sent to XXXX XXXX College after I withdrew..
05/13/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	OH 45240	Web
Spoke with a XXXX who refused to give her last name-said in the garnishment department and ext is XXXX-but would not disclose her full name. Secondly, I had given written and verbal authorization to speak with my 3rd party and they refused to do so. I asked for this rule or regulation in writing they denied of course. This company is not willing to work with me and I would like for some action to be taken against this agency.
01/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33544	Web
I paid off my defaulted student loan with Texas Guaranteed last XXXX 2016. I just received a credit alert from my credit monitoring service stating that Texas Guaranteed has placed my account in a charge off status. I paid my loans off in full and my account should be reflected as such on my credit report. A charge off status implicates that I have not fulfilled my obligation with this company which is not the case.
01/30/2019	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	TX 75231	Web
I get calls every day from Monday to Saturday at work and at home. I get emails at work. Today, I got an intimidating call from someone asking me for my social security number in the middle of a workday. Who does this? I asked them who were they. The guy says, " we verified your place of employment '' As if he was coming to my job. This is so rude. I have attached a copy of emails and phone calls.
01/07/2022	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account status incorrect	OH 43220	Web
I received a notification XX/XX/2022, that there was a change to my credit report. I learned that my score had dropped by XXXX - XXXX points because Trellis Company, who is now servicing my federal student loans double reported my loans to my credit report. Currently, my college loans are reported 39 times between Trellis Company and the original loan servicer, XXXX XXXX XXXX.
02/17/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	TX 777XX	Web
My payments are not being reflected accurately on my account. I have requested a detailed statement showing my beginning balance including any fees and cost, payments applied and remaining balance. I have requested this information three times and no one has responded. I have followed TG ombudsman policy to contact the collections department and still have not had a response.
10/16/2017	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76010	Web
Company is reporting a debt on my credit report, a letter was sent certified mail demanding proof of debt. However the certified letter was returned to sender, the address the company is reporting to the credit bureau is inaccurate. Letters were sent certified mail on XXXX/XXXX/XXXX Letters sent to credit bureau on XXXX/XXXX/XXXX informing them of the inaccuracies
01/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 330XX	Web
This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( TRELLIS COMPANY ***** Opened Date - Balance {$0.00} ) You are reporting inaccurate information on this account. The balance is zero and the account status was already closed. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
03/24/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Need information about my balance/terms	TX 77346	Web
TX GUAR XXXX is reporting inaccurate information to the credit bureaus. I have XXXX accounts that are affecting my credit. The information is inaccurate and there is no documentation to show for it. I do not understand how they would claim my loans as charge offs when i consolidated them before they were out of my deferment time from being a student.
12/26/2017	Yes	Debt collection Federal student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	WA 98203	Web	Servicemember
A company named " XXXX XXXX ( XXXX ) '' started sending me emails about my XXXX student loans. I asked them to stop emailing me. They said they would not. The email address being : XXXXXXXXXXXX. I told them they were spamming me about a student loan that I had made payments on the week prior and informed them I would report their email as spam.
02/25/2021	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	TX 78229	Web
My trellis has place tax offsets to working class people who are affected by Covid 19 and the winter storms in Texas. As we tried to communicate with them they have the audacity to continue their collection efforts despite the current climate. They have bordered on illegal collection practices and refuse to correct wrong doing in their part.
11/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34744	Web
MY NAME IS XXXX XXXX XXXX AND I BEEN TRYING TO CONTACTA STUDENT LOAN COMPANY THAT HAS BEEN REPORTING ACOOUNT WITH A STATUS OF COLLECTION, OR PASS DUE OR WITH SOME TYPE OF PAYMENT ISSUE, ALL OF MY STUDENT LOANS ARE ALL PAYED SO THE BALANCE IS 0 AND AS AGREED. THE ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/01/2016	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	FL 34668	Web	Servicemember
TG continues to call me multiple times per day, as early at XXXX and as late as XXXX. They continue to call even though I have asked them not to. They called my employer and proceeded to ask them personal information about me and where I live. They even asked my employer to verify my Social Security Number.
09/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77084	Web
This company is calling me on my employer phone which is a hospital and I can not accept personal phone calls in an hospital setting. The phone is designated for patients only. Voiced this to them and a XXXX still proceeded to reach me at my place of work. I will file harassment if this continues
04/18/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	FL 33544	Web
I am recently paid off my student loan with Texas Guarantee but my credit report does not show paid in full. It list account is current. There is not a balance I owe so I am not understanding why this has not dropped from my credit report or at least report as closed. Thank you
02/28/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	TX 77095	Web
ive ask them to produce documents to where i have signed and agreed to pay the alleged debt / legal documents between me and the company. they have have failed to produce and are continually placing inaccurate information on my credit reports. they refuse to remove
08/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84043	Web
Trellis Company # XXXX is reporting inaccurately on my credit report. This was included in my chapter XXXX bankruptcy that I filed back in 2016. This account should not be reporting as an active collection.
04/18/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33313	Web
I checked my credit and noticed this account listed on my credit report that does not belong to me. I've disputed the account already and ask that they validate the account but that has yet to be done.
12/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77489	Web
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : TRELLIS COMPANY OPENED : XX/XX/2017 XXXX. XXXX
01/03/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 337XX	Web
XXXX/2018 I called the company to respond to a demand letter. There were many personal questions they were asking including information about my medical history and prescriptions.
07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78752	Web	Servicemember
Creditor started listing student loans as in collections during period they were included in bankruptcy ( after I started voluntarily repaying them during COVID relief ).
02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33463	Web
Contacted company requested they stop reporting an account that was paid off by insurance as derogatory, chargeoff, and/or collection.
01/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 302XX	Web	Servicemember
These credit imquiries are unauthorized and need to be removed from my credit report immediately.
03/30/2021	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account status incorrect	TX 78249	Web
Please update payment history status on the two other bureaus as well.
11/02/2021	Yes	Student loan Federal student loan servicing	Incorrect information on your report Old information reappears or never goes away	FL 32177	Web
School closed before I finished
02/08/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 78154	Web

11/28/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	NY 137XX	Web

11/10/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11786	Web

07/14/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	TX 76040	Phone

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77396	Web

06/14/2023	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	TX 75052	Web

04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11205	Web

10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web

10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75071	Web

08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75071	Web

07/13/2022	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77098	Web

06/29/2022	No	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	TX 77098	Web

05/18/2022	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account status incorrect	OH 43220	Web

05/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85704	Phone

04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30349	Web

03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77016	Web

02/03/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77642	Web

01/19/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	FL 34745	Web	Older American

12/09/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	MD 20748	Web

12/09/2021	Yes	Student loan Private student loan	Incorrect information on your report Account information incorrect	MD 20748	Web

11/24/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77388	Web

10/21/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	TX 75146	Web

10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77003	Web

09/02/2021	Yes	Student loan Federal student loan servicing	Incorrect information on your report Information belongs to someone else	TX 78130	Web	Older American, Servicemember

08/29/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	FL 34606	Web

08/12/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 77354	Web

08/05/2021	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account status incorrect	AR 72401	Web

07/09/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	TX 78610	Web

06/26/2021	No	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	TX 77030	Web

05/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75080	Web

05/07/2021	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	TX 77489	Web

05/07/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77038	Web

04/09/2021	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	TX 79912	Phone

04/05/2021	Yes	Debt collection Federal student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77489	Web

12/07/2020	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	NY 10977	Postal mail

11/13/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	NY 14450	Web

11/12/2020	Yes	Debt collection Private student loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77705	Web

10/18/2020	No	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77044	Web

10/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33028	Web

06/24/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 71417	Web

05/12/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 34736	Web

04/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77504	Fax

12/20/2019	No	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 93612	Phone

11/22/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	TX 75708	Phone	Older American

10/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75650	Web

10/01/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	IL 62522	Postal mail

08/17/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 78717	Web

08/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30906	Web

08/01/2019	Yes	Student loan Federal student loan servicing	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76692	Web

07/16/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	TX 75050	Web

04/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 32256	Web

04/09/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	DC 20002	Web

04/09/2019	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account information incorrect	AZ 85042	Web

02/28/2019	No	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled		Phone

02/05/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	TN 38116	Referral

01/11/2019	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	TX 75075	Web

11/29/2018	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	TN 38002	Web

11/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 75261	Web	Servicemember

11/20/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	FL 33173	Web	Servicemember

11/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33414	Web

10/17/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem lowering your monthly payments	TX 77382	Web

10/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33414	Web

09/26/2018	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 91737	Web

09/12/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	TX 77385	Web	Servicemember

08/19/2018	No	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77459	Web

07/19/2018	Yes	Student loan Private student loan	Incorrect information on your report Account status incorrect	FL 32256	Web

05/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55122	Postal mail

04/02/2018	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Need information about your loan balance or loan terms	TX 77388	Web

03/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33197	Web

03/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27616	Web

03/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77096	Web

02/07/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78728	Phone

01/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AZ 85009	Web

01/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77044	Web

11/08/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	TX 77477	Phone	Servicemember

08/22/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan		Phone

08/22/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07050	Web

08/21/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	CA 92656	Referral

07/20/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	FL 34211	Web

06/23/2017	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	TN 38116	Web

06/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30350	Web

05/06/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	IA 50010	Web

04/25/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	TX 79852	Web

04/10/2017	Yes	Credit reporting	Incorrect information on credit report Account status	TX 76017	Fax

04/10/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	TX 76017	Referral

04/05/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	FL 33027	Fax

03/23/2017	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Seized/Attempted to seize property	MA 02364	Referral

03/22/2017	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	GA 31308	Web

03/15/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	TX 78754	Web

02/24/2017	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	FL 34736	Postal mail

01/24/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	LA 70606	Web

01/19/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	AZ 85249	Web

01/19/2017	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't decrease my monthly payments	TX 75135	Web

01/18/2017	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't get flexible payment options	TX 78233	Referral

01/17/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	TX 75124	Web

10/07/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	TX 75236	Web

10/04/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	FL 34487	Web

09/15/2016	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	TX 76705	Web

09/05/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	OH 44035	Web

07/22/2016	Yes	Student loan Federal student loan servicing	Can't repay my loan Can't decrease my monthly payments	FL 33334	Web

06/28/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	MN 55104	Postal mail

06/14/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	WA 98106	Referral

05/18/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Having problems with customer service	TX 78665	Web

05/03/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	SC 29169	Web	Servicemember

04/08/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Keep getting calls about my loan	CO 80003	Web

03/28/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	FL 33167	Web

07/09/2015	Yes	Debt collection Non-federal student loan	Communication tactics Called outside of 8am-9pm	OR 97203	Web

08/18/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Trouble with how payments are handled	WV 25403	Referral

06/24/2014	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	MN 55304	Web

03/06/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	NY 13402	Web